Bank of America Credit Card Complaint

Bank of America Credit card department,

Advertising and marketing California

I paid to - for car rental in advance of pickup in the sum of $160.00. The car was to be picked up from - ( - ) on -/-/- to be dropped off -/-/-. Upon arrival at the Merchant 's office, I was asked to pay a deposit for insurance in the sum in excess of $1800.00 ( - Dollars ). I informed them that my credit card ( Bank of America ) had auto-insurance that covered the rental car. They rejected and insisted I must cough out the requested amount. I reminded them that I was not informed at the time of the transaction that I would be required to pay ten times the car rental charges as insurance nor was I pre-notified that card-backed auto insurance would be rejected. As I could not afford what was being requested, and believing that it was a way of fleecing me, I requested to be refunded my advance payment. The Sales Representatives requested me to contact -. Astonishingly, nowhere on all the receipts and other information sources were the contact details of


I eventually was able to find the contact details on the internet and put several calls through that went into voicemails. The only option left was to dispute the transaction as the merchant had made it impossible for me to obtain the service I paid for. I provided all the information requested to Bank of America and after couple of weeks, I was written a letter by the Bank that I could not be refunded because the merchant made the service available but I did not avail myself of the service. My complaint is that the Bank ( Bank of America ) aided the merchant in under-cutting me. The Bank knowingly provided me with an auto insurance-backed credit card that they knew would not be acceptable to car rental companies and did not do anything to my knowledge to challenge the merchant as to why the auto insurance was rejected. The Bank 's action is a breach of Dodd-Frank Act ( UDAAP ) Unfair, Deceptive, Abusive Act Practices ) by knowingly selling to me a credit card product ( auto-insurance ) that is evidently worthless in the market place. I feel strong about this particularly the way the Bank Agent that I spoke to responded to me with a high level of non-chalance. I hereby appeal to CFPB to assist in investigating this deceptive transaction with the aim of recovering the sum of US $160.00 that was surreptitiously debited to my account by the merchant in connivance with the Bank of America.