Credit card or prepaid card -- Problem with a purchase shown on your statement -- Complaint #5254586
Complaint Overview
Complaint ID: 5254586
Company: Bank Of America, National Association
Product: Credit card or prepaid card
Sub-Product: General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement
Sub-Issue: Credit card company isn't resolving a dispute about a purchase on your statement
State: Delaware
ZIP Code: 19808
Date Received: 2022-02-23T12:00:00-05:00
Date Sent to Company: 2022-02-23T12:00:00-05:00
Company Response: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Submitted Via: Web
Consumer Narrative
On XX/XX/2021, I filled room inquiry through the online form at XXXX XXXX website, asking availability for a room with bathroom for XXXX person ( XXXX adults and XXXX kids ) for one night stay of XX/XX/2021. Instead of giving us a price quote, the hotel XXXX asked our credit card information and said they will not be able to confirm the room without credit card information. After I sent them my credit card information, they replied that our reservation is confirmed, but they never sent us a formal confirmation with specific room types, total room charge and cancellation policy Partially due to the reason that I never received their booking confirmation information, I did not cancel this booking. And XXXX XXXX charged me {$450.00} for XXXX night stay as no show. I do not agree upon this charge. I missed the reservation by mistake, but this is not the ground that the hotel can charge me anything they stated. There is no previously agreed upon price nor there is any confirmation of showing how many rooms they were going to reserve for me. I have XXXX adults and XXXX children for the trip. Based on their website description, a cottage for the price of {$230.00} for one night will accommodate my family nicely. But the hotel charged us twice as much. This wasnt a fair business practice of charging me inflated price without a previously agreement upon terms by anyone. The hotel never informed me the exact term of the reservation price or room ( XXXX ) in any form of communications. That was partial reason why I missed this reservation The hotel should provide me some form of contract with price stated before my hotel stay. And if I knew the outrageous price of room rate they will charge me, I would certainly cancel this the reservation. I dispute this charge with Bank of America. Bank of America denied my claim. I believe Bank of America made a wrong decision and treated its customer unfairly. Bank of American let the merchant freely charge the credit card without proof of any price agreement or receipt. The wrong doing of XXXX XXXX not telling their customer of cost of service before making charge is a violation to Fair Credit Billing Act. And Bank of America did not resume the responsibility of protecting its customers from the unfair billing practices.
Frequently Asked Questions
What is Complaint #5254586 about?
Complaint #5254586 was filed against Bank Of America, National Association regarding Credit card or prepaid card specifically about Problem with a purchase shown on your statement. It was received by the CFPB on 2022-02-23T12:00:00-05:00.
How did Bank Of America, National Association respond to this complaint?
The company responded with: "Closed with explanation". The response was timely.
What is the risk level of this complaint?
See the risk assessment section for details on this complaint's risk profile.
How do I file a similar complaint?
You can file a complaint with the CFPB at consumerfinance.gov/complaint. Select the appropriate product category (Credit card or prepaid card) and describe your issue in detail.
Can I see other complaints against Bank Of America, National Association?
Yes, visit the Bank Of America, National Association company profile at readthecomplaint.com/company/bank-of-america-national-association to see all complaints, risk scores, and analysis.
Disclaimer
This analysis is AI-generated based on publicly available CFPB complaint data. It does not constitute financial or legal advice.