Credit card or prepaid card -- Problem with a purchase shown on your statement -- Complaint #6869594
Complaint Overview
Complaint ID: 6869594
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: XXXXX
Date Received: 2023-04-20T12:00:00-05:00
Date Sent to Company: 2023-04-20T12:00:00-05:00
Company Response: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Submitted Via: Web
Consumer Narrative
On XX/XX/ a deposit of XXXX XXXX and XXXX XXXX dollars ( {$160.00} ) was made using my credit card to a merchant for eyeglasses. Another payment on XX/XX/ was final payment for another XXXX XXXX and XXXX XXXX dollars ( {$160.00} ) was made using my credit card to the merchant for eyeglasses. I authorized both transactions for payment ONLY. At no point in time during the transaction there was a disclaimer prior to signing. I requested a paper receipt and they told me I will get it via a text which was a link. The disclaimer was attached to the text. I consider this to be very deceptive business practice. However, the next day one of the lenses fell out and returned to store to have it replaced. I was told that I had to wait for the manager, who told that I had to come up with XXXX XXXX and XXXX XXXX dollar ( {$170.00} ) for the replacement. I refused to pay it because I was told if anything happened to it I should bring it back and they would take care of it. Then he said, to give him XXXX XXXX dollars ( {$72.00} ) and declined. I returned the eyeglasses to the manager. I filed a dispute with my bank and they issued a a chargeback temporarily. Then reinstated it to the merchant and the case is closed. I contacted dispute department and they told me that there is nothing they can do because they lost the case and Visa upheld the payment. I contacted them once more and they told me if I could get a letter from the third party eyeglasses company to say that the first one was defective, but the company did not want to provide a letter, only an invoice. Therefore, I should seek external resources. I contacted the FTC and the Attorney General which gave the necessary resources to contact CFPB. Finally, I had made a purchase for another pair of eyeglasses on XX/XX/ from another retailer and it is still functioning as it should without any defects.
Frequently Asked Questions
What is Complaint #6869594 about?
Complaint #6869594 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 2023-04-20T12:00:00-05:00.
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.