Credit card or prepaid card -- Problem with a purchase shown on your statement -- Complaint #5618882
Complaint Overview
Complaint ID: 5618882
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: New York
ZIP Code: 11374
Date Received: 2022-05-31T12:00:00-05:00
Date Sent to Company: 2022-05-31T12:00:00-05:00
Company Response: Closed with monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Submitted Via: Web
Consumer Narrative
Hello, My name is XXXX XXXX. In late XXXX ( XX/XX/XXXX ), on a site called XXXX ( no longer online, here is the link to the site : XXXX XXXX XXXX ), I purchased shoes using my Bank of America ( BoA ) credit card. The shoes said they are made in the USA and that they are orthopedic. Hours after I place the order I got a shipping notification with a USPS tracking number ( XXXX ), but the link in the email is to a XXXX shipment tracking site. So it ticked off an alarm in my head and I emailed the merchant to cancel the order ( they also had a free 60 day return policy listed on their site ). An hour after that email, the site is no longer online. At that point I called to file a dispute with BoA dispute department. Case number XXXX, for card ending in XXXX. I get the money back. The merchant hasn't responded to my initial email asking to cancel the order in the meantime. The item then arrives on XX/XX/XXXX and the item is made in XXXX, not in the USA like listed on the site, and is clearly not orthopedic. I sent the merchant another email on XX/XX/XXXX asking to return the item, but got on response. 2 weeks after I started the dispute, BoA gets back to me saying that the claim is resolved. About 2 weeks ago ( XX/XX/XXXX ) the BoA dispute department sent me a letter that " new evidence came to light '' and that the merchant told them that the item was delivered. BoA dispute department is asking for a return slip or a return tracking number. I sent them the emails I sent the merchant and I wrote to them that the site went offline mere hours after I placed the order, which should tip them off that the merchant is a scammer. On Friday, XX/XX/XXXX, I got a message that the proof wasn't sufficient and BoA put the charge back on my card. I tried calling Customer service following their decision, and they said " you didn't return the item ''. Now, how would I return the item if I have no shipping address and the merchant isn't answering emails or communication, which I have clearly proved in my documents to BoA? In my letter to BoA, I have also listed the fact that the merchant hasn't responded to me, but he has to them. I made it clear to BoA that I still have the item and that if they contact the merchant and get a return address ( as they have no problem reaching him ), I will return the item gladly as I do not want the shoes. I also tried reaching out to the head of client care at BoA on Friday, XX/XX/XXXX, but I have received no answer as of yet. The emails I sent the merchant and showed BoA are attached to this complaint ( again, I received no response from the merchant to this day ).
Frequently Asked Questions
What is Complaint #5618882 about?
Complaint #5618882 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 2022-05-31T12:00:00-05:00.
How did Bank Of America, National Association respond to this complaint?
The company responded with: "Closed with monetary relief". 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.