Posted by Ezgi
I bought frames (worth 65 usd) from Target on Nov. 8, 2017 and returned them the very next day on Nov. 9, 2017. Target never credited my credit card and I went to the store to ask about it (around Nov 20th). The guest relations told me to talk to my bank as Target already returned it and it's between me and my bank. So I called Bank of America to dispute it and they opened a claim. Next thing BoA did was crediting my credit card with the whole purchase amount (78 usd). Anyways I went to Turkey for winter break and on those days while I was outside of the US, BOA sent me a letter asking me to prove my return to Target by sending them a copy of the return receipt. From the date of the letter, they gave me 6 days to provide the proof document. However, sicne I was abroad I saw their letter 3 days after the deadline was over. So they charged my account again with 78 usd! I called BoA right away and their representative told me to still send the documents and they would review them. I did that that day, writing a detailed letter on my excuse ans sent the original and return receipts. Next thing I received from BoA is that they cannot continue reviewing my claim because I missed the deadline! I called them several times today and they say there is nothing to do, I should talk to Target as the amount was sent back to Target! So I called and visited the Target store that I made the purchase from. All they could do is giving me phone number of Target Guest Relations, which directs me to my bank when I call! So at this point, Target has my money but I cannot reach any representative of Target, plus BoA is acting as a robber instead of a bank. I called BoA once again today to open the claim from scratch but they said it's a closed claim case due to missed deadline and they can't reopen the dispute. I am an individual customer of both Target and BOA but only thing they know is stealing my money!!! I am totally frustrated with both companies and cannot believe they can steal people's money this easily! Does being abroad while they sent me a letter give them the right to steal my money? It should not! Does anybody know where I can go to complain about these companies? What is the legal authority to supervise such things? Should I go to court? Thanks for all your help!