Consumer complaint received 2017-02-08 00:00:00
Product: Credit card — 
Issue: Billing disputes — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: FL

Complaint narrative:
I contacted Bank of America on XXXX XXXX, 2016 to dispute a credit card charge of {$1100.00} from XXXX Rent a Car XXXX in XXXX, XXXX. From the beginning, the Customer Service Representatives ( CSRs ) at Bank of America have treated me with the utmost disrespect regarding this matter ; they immediately sided with XXXX and dismissed my complaint from the beginning. Bank of America has been negligent in investigating my claim that XXXX charged me for services that it did not render. I was told that rental car companies often bill amounts after a rental car has been returned so I did n't have a case since I signed a rental agreement. I 'm not disputing the fact that I signed a rental agreement. My claim is that XXXX charged me for a service that they did not render ; and they charged me for a ticket that I did n't receive. XXXX claims that they charged my credit card {$1600.00} because they paid a ticket on my behalf. For months now, I 've asked to receive the official receipt of payment of this ticket ( a receipt from the government ), and XXXX has n't provided me with this yet. I have been emailed a receipt for the charge from XXXX, but they have not given me the receipt from the government agency in XXXX XXXX that issues receipts for paid tickets. This is standard procedure to provide proof of payment. Even XXXX asked me to provide them with a receipt of payment, if I decided to pay the ticket myself, in order to prove to them that I had paid the ticket ( please see attached email ). I 'm skeptical of this ticket for a couple of reasons. 1. This is a typical scam in XXXX. 2. XXXX has n't provided me with the video/picture of my alleged traffic violation 3. Under XXXX law, XXXX does n't have to pay for traffic tickets from its renters so it had no obligation to pay the ticket for me 4. XXXX supposedly sent my notification about this traffic ticket to the wrong email address, but they managed to use my correct email address for over six months to email me about my pending reservation 5. XXXX has n't given me a receipt from XXXX to prove that they provided me with the service of paying my ticket. Until XXXX provides me with a receipt from XXXX, they have n't provided me with the service they charged me for so my claim is valid. Bank of America has concluded that XXXX 's charges were legitimate even though XXXX has not provided Bank of America with any proof that I received a traffic violation. XXXX has n't even provided Bank of America with a receipt to prove that it paid {$1600.00} for my alleged traffic violation. XXXX claims that they charged my credit card because they paid the traffic ticket on my behalf. If they paid the traffic ticket, then they should have an official receipt from XXXX. XXXX gives you a receipt when you pay a ticket. They have only provided me with a receipt to show that they charged my card- this is not an official receipt from XXXX, and they have provided me with a receipt of my payment to XXXX, again, this is not an official receipt from XXXX. I will repeat that : XXXX was n't even required to send Bank of America a receipt of its payment of the {$1600.00} to XXXX before Bank of America made a decision on my claim. At a minimum, that should have been the first thing that Bank of America requested. I have been told several times by Bank of America that XXXX does n't have to provide them with an official receipt since I signed a rental contract. Bank of America has blatantly refused to even honor my request of asking XXXX to send them a receipt from XXXX as proof of payment. Obviously, the CSRs working for Bank of America do n't understand the fact that even if I signed a rental agreement with XXXX, the company ca n't charge me for a service that it did n't render.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation