Bank of America Credit Card Complaint

Bank of America Credit card department,

Transaction issue Colorado

This complaint is for abusive credit card dispute practices by Bank Of America. I purchased a trailer from All Seasons RV in the early summer which included a -. Please examine the uploaded correspondence sent by me to B of A for the full story, which is based on misrepresentation of the -. Misrepresentation of product is a valid basis for dispute for -, and B of A claims they are bound to follow - rules, yet they do n't. I filed a dispute for the $550.00 charged to me for the - for misrepresentation of the product. I had given the salesperson my age, height and weight and explained that I would travel alone, and would only purchase the - if I could handle it without any help. He promised it would be no problem for me to install and set up the tent by myself, which could not be further from reality. Not only was it not possible, but it was not safe. I made multiple requests to - Seasons RV to return the - and get a


entered wrong as $500.00. I 've repeatedly requested they correct it to $550.00, but the bank has refused to correct. 2. I am not allowed to speak to anyone in dispute. Whoever is processing my claim is not reading the documents sent. They repeatedly ask for items they already have. I am not allowed to point them to the documents they keep re-requesting. Several of the Claims Agents I 've spoken with have easily located the documents that the Dispute department insists have not been sent. 3. They sent me a list of requests with a deadline of -/-/2016. I went to a B of A branch in - and faxed to them everything they requested on -/-/2016 and obtained a successful fax confirmation from the branch agent. On -/-/2016 the dispute dept. produced a denial letter stating I missed their deadline ( see all B of A letters - and closed my case. I called and again was denied access to the team on my claim, but the - said they 'd re-open my case and I could re-send everything. This time I faxed the entire packet including the successful fax confirmation sheets to ALL - FA- NUMBERS, and received another denial letter, again refusing to acknowledge receipt of my on-time submission OR documents they requested. Their online upload errored out on all of my files. Sending via - Mail is too slow to rely on. This is clearly their game, and constitutes an abusive practice. 4. B of A requires me to return the - to the merchant before they will finish processing my claim. It weighs over - pounds, and would cost about $75.00 to ship. It is clear the merchant refuses to refund my money. B of A is putting me at risk of losing both my money and the merchandise by requesting me to return the item without any written commitment to refund my money upon its return. I 've claimed repeatedly that I intend to return it, however not until I have the protection of a written letter from B of A that upon the return of the merchandise they will credit my account the full $550.00 and not $500.00. They 've refused, and require that I forfeit the merchandise ( that I could sell online ) while remaining at risk of losing the dispute. This is abusive! I 've made multiple dozens of calls to B of A 's Claims team for help through their cumbersome, archaic, and abusive dispute process. They ignore documents they 've received ON TIME, and demand an abusive requirement producing such financial risk for me that I can not comply. Please help!