Credit card or prepaid card -- Problem with a purchase shown on your statement -- Complaint #5875612
Complaint Overview
Complaint ID: 5875612
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: Nevada
ZIP Code: 89148
Date Received: 2022-08-13T12:00:00-05:00
Date Sent to Company: 2022-08-13T12:00:00-05:00
Company Response: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Submitted Via: Web
Consumer Narrative
In late XXXX of XXXX I elected to purchase a trip to XXXX in XX/XX/XXXX offered by XXXX XXXX ( XXXX, XXXX ) and I paid {$1200.00} on my mastercard from Bank of America. I was not able to take vacation in XXXX because of mistakes made on invitation letters ( twice!! ) required for visa and visa didn't arrive in time to get on plane. When I contacted XXXX to tell them of horrible experience they didn't respond so I waited a month and filed a dispute with Bank of America over charge. Upon realizing I was disputing charge XXXX contacted me in XXXX to apologize for their actions and I inquired about getting my money back. They begged me to try them again and offered voucher for any vacation taken within 18 months but only if I agreed to cancel my dispute through credit card. In good faith I said yes and in late XXXX I contacted Bank of America to say merchant has offered to resolve dispute.I saw on my XXXX statement that charge was taken off but 2 weeks later it was put back on ( enclosed ). One year later I decided to take a trip since Covid was slowly not an issue only to learn XXXX would not honor the voucher. They told me I had won my dispute so they didn't owe me anything and I told them that wasn't the case because I paid balance in XXXX of XXXX and sent my statements. I called Bank of America who said they did pay XXXX but I asked for an escalation, Bank Of america put $ back on my card and I hoped that was end of it, but 3 months later they charged me back on XX/XX/XXXX statement and couldn't provide any written proof of it by email or regular mail. The escalation said they forced payment through third party XXXX in late XXXX. XXXX and it was finally accepted on XX/XX/XXXX. It is now a year later and XXXX will not accept this finding and is calling it an internal bank error by bank of america. I have spent over 20 hours on this matter and only way to resolve this is if bank of America can show XXXX the findings of audit as XXXX has refused to call back office of B of A. Please help end the madness as I deserve this money and shouldn't have been subjected to this.
Frequently Asked Questions
What is Complaint #5875612 about?
Complaint #5875612 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 2022-08-13T12:00:00-05:00.
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.