Consumer complaint received 2025-02-14 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Credit card company isn't resolving a dispute about a purchase on your statement
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: NV

Complaint narrative:
To whom it may concern, I am requesting to reopen dispute ID XXXX ( {$13000.00} ) XXXX XXXX ( {$4300.00} ) XXXX XXXXXXXX ( {$800.00} ) Merchant did not provide the service as agreed and canceled the services for me. In addition, the Merchants agreement is for a business opportunity not for a service. Thus the Merchant misrepresented their offer and omitted important information for me to make an informed decision. Finally, the merchant ignores my plea for a refund and is currently in dishonor and is perpetrating mass marketing fraud. 

Bank of America California , National Association ( FDIC XXXX XXXX ) XXXX XXXX XXXX XXXX XXXX, CA XXXX www.bankofamerica.com refuses to correct a billing dispute on my bank statement. I formally request from the credit card issuer, merchant, and merchants bank the business opportunity disclosures required by FTC Federal Trade Commission, Rule 16 C.F.R. Part 437 & 15 U.S.C. 41-58. and the Earnings claim statement required by law The Commission has extensive law enforcement experience challenging misleading earnings claims under section 5 of the FTC Act, 15 U.S.C. 45 Pursuant to XXXX chargeback reason codes and Visa Chargeback Codes. 13.5 Misrepresentation. This code applies when the goods or services are not as advertised or described, leading to the cardholder feeling deceived This applies when the merchant 's advertising or sales materials significantly misrepresent the product or service, deceiving the cardholder. This could include false claims about quality, features, or benefits. XXXX XXXX  Not As Described, this code is used when the received goods or services do not match the agreed-upon terms or quality. XXXX XXXX  Not Received. This code is applicable when the cardholder did not receive the goods or services they paid for. This applies when the cardholder did not receive the goods or services they paid for at all. This could be due to non-delivery, order cancellation, or service failure. According to XXXX and Visa 's terms of service, card issuers encourage merchants to maintain high ethical standards and comply with XXXX and Visa 's rules and regulations. I am politely requesting these charges be disputed. I am requesting a full reversal of the misrepresented transactions. The Merchant has stopped communicating with me and makes no effort to provide services owed to me. It is impossible to reconcile with the merchant. Please reverse the transaction permanently in my favor so I can continue to use my credit responsibly this was a regretful mistake to transact with XXXX XXXX and engage of in this conflict of interest. It is important to note the merchant might not be the real merchant, it is common for scammers to impersonate online personas and merchants. See attached images. 

XXXX is actively targeting the California market with a virtual presence, without registering as a California entity to transact international business. Which Goes against the California Corporations Code Section XXXX : This section outlines the requirement for foreign corporations to obtain a certificate of qualification from the Secretary of XXXX before transacting intrastate business in California. The California Corporations Code sections 2105, 15909.02, 16959, 17708.02 ,191 ( a ), 15901.02, 17708.03. all relate to the requirement for foreign entities to register with the California Secretary of State if they are conducting " intrastate business '' within California XXXX XXXX XXXX registers XXXX, XXXX Companies within XXXX are generally restricted to operations within XXXX XXXXThe California Corporations Code aims to regulate and control the activities of foreign entities within the state. Therefore XXXX is illegally transacting with California residents like myself and others who are targets of XXXX clickbait marketing. 
California Civil Code 1670.5 prohibits unconscionable contracts or clauses. XXXXXXXX XXXX conduct violates California Business and Professions Code 17200 as unlawful, unfair, or fraudulent, encompassing deceptive advertising, misrepresentation, and unfair business practices. California Business and Professions Code 17200 prohibits unlawful, unfair, or fraudulent business acts or practices. 

XXXX XXXX 's conduct constitutes misrepresentation under California law, bearing elements of a false statement, intent to deceive, and justifiable reliance. The contract is unconscionable under California Civil Code 1670.5 based on the same grounds : omitted material facts ( risks, potential losses ), unfair allocation of risk, and high-pressure sales tactics.

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 monetary relief