How Bank of America scammed me
In July 2019, I ordered some
furniture from a local merchant and gave him a deposit.
When I did not receive the
furniture after a couple of months, I requested a refund but the merchant
refused and became aggressive.
I filed a dispute claim with Bank
of America.
In his rebuttal, the merchant provided copy of a debit
card receipt and a statement that I picked up the furniture to Bank of America.
Based on the following 2 evidences, Bank of America refused my claim. There is
no itemized receipt from the merchant or anything that shows that I actually picked up the merchandise.
I provided evidence that I never
picked up the furniture.
Bank of America stated that because I signed the debit card
receipt it proves that I picked up the furniture.
THEY WILL NOT REVIEW ANY OTHER
EVIDENCE.
I tried to explain that signature
was for the debit card and not for picking up the furniture.
Bank of America kept telling me to
contact the vendor directly who does not respond to me.
I filed a claim with Consumer
Affairs of NYC but they cannot help except to agree that Merchant needs to pay
me.
I have sued the merchant.
I am separately asking Bank of
America, why is the debit card signature considered an evidence but they only
provide the following response:
I contacted the Consumer Financial Protection Bureau (CFPB), this is the response they provided me:
Basically they are saying that the signed debit card is the ultimate receipt, no other itemized receipt is needed
I kept asking them why is signing a debit card considered an
evidence and show this in their deposit agreement, they said they will no longer respond to me.
Please Do not bank of with Bank of
America as they will support scammers over their customers.
Their staff is incompetent
and rude. Their representative told me that I should have reviewed Yelp before
going to that local store.
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