Credit card -- Problem with a purchase shown on your statement -- Complaint #8016312
Complaint Overview
Complaint ID: 8016312
Company: Bank Of America, National Association
Product: Credit 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: Illinois
ZIP Code: 600XX
Date Received: 2023-12-17T12:00:00-05:00
Date Sent to Company: 2023-12-17T12:00:00-05:00
Company Response: Closed with monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Submitted Via: Web
Tags: Servicemember
Consumer Narrative
The events below required me to request a chargeback which Bank of America denied citing regulation Z of the truth in lending act. The events are listed below and all transcripts and emails have been included. I purchased an item on XXXX on XX/XX/. I have chat and email transcripts of everything I mention below. I purchased a large 3D printer which arrived in a damaged box. I opened the box to find the glass bed broken. I reached out to XXXX chat to return the item. Upon my description of the damage the agent advised me that they would refund my money within 3-5 days. I asked how I should go about returning the item since the box had holes in it and was damaged. The agent advised me to " Safely dispose of the item ''. I asked him multiple times if that was really want I should do and he advised me that it was and that I should " rest assured ''. Shortly after this chat I received an email stating I would be receiving a refund in 3-5 days. After 7 days I had no received a refund so I contacted chat again and spoke to a supervisor. This person stated that I had to return the item to receive the refund. I provided him with the chat transcripts with the previous correspondence w/ an XXXX agent who advised me to dispose of the item. I advised the supervisor that I had followed his instructions. He said he was sorry but there nothing he could do. Shortly after this chat I received an email from the supervisor apologizing for the misinformation their agent gave me but they could not help me with a refund despite their agent advising me to discard the item. I spoke to my credit card company ( Bank of America ) and they advised me a chargeback was not possible citing the Truth in Lending regulation Z. I had also provided the credit card company w/ all chat transcripts showing what I stated above. The credit card company stated I needed to take the item to a repair company for a second opinion despite the fact I no longer had the item since the seller ( XXXX ) told me to discard the item.
Frequently Asked Questions
What is Complaint #8016312 about?
Complaint #8016312 was filed against Bank Of America, National Association regarding Credit card specifically about Problem with a purchase shown on your statement. It was received by the CFPB on 2023-12-17T12:00:00-05:00.
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) 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.