Credit card or prepaid card -- Problem with a purchase shown on your statement -- Complaint #6372540
Complaint Overview
Complaint ID: 6372540
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: Florida
ZIP Code: 32708
Date Received: 2022-12-28T12:00:00-05:00
Date Sent to Company: 2022-12-28T12:00:00-05:00
Company Response: Closed with monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Submitted Via: Web
Consumer Narrative
Bank of America Account number : XXXX Case number : XXXX I wrote to Bank of America about the ongoing dispute that I have with the company XXXX XXXX Florida XXXX. On XXXX XXXX XXXX, I negotiated a contract with this company for the gutters installation on my property. They gave me a quote of {$2300.00} to replace old gutters with 6-inch seamless gutters in white. On XX/XX/2022, the company installed the gutters while I was not home. I agreed to pay the balance of {$2300.00} after I came home and inspect the work. I came home after XXXX XXXX. I reached out to the representative XXXX by text at XXXX to offer to make payment. I was told that they can do a credit card payment only. They did not accept any other form of payment. He was also pressuring me to pay that day. He would not offer to return to pick up cash. My hands were tied so I gave him my credit card information. He said there would be a {$25.00} charge to bill on my card. I was very angry at this point. But he insisted that he got paid that instantly. After I got rid of him by providing my credit card information, I reviewed my charge online and I noticed he charged my card {$2500.00}. I was so upset, and I call and texted him back that night. I did not hear back until the next morning. He realized he did not charge me correctly and he offered to reimburse me for {$100.00}. I explained he overcharged me XXXX and asked for that amount to be credited to my account. He replied no, he will only give back {$100.00}. I then call my credit card company to report this bait-and-switch tactic that the company was using. Little did I know that Bank of America does not have the balls to stand up and fight for customers when it comes to these types of disputes. Bank of America has received my copy of the dispute, for the past three months but refuses to move to solve this problem. Instead, Im asked repeatedly to prove myself. I have called on multiple occasions to solve this problem with the credit card company and have not gotten anywhere. Im attaching the text messages that I had with the horrible company for review and the quote I received from them.
Frequently Asked Questions
What is Complaint #6372540 about?
Complaint #6372540 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 2022-12-28T12:00:00-05:00.
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.