topic Re: Beware of using Bank of America card…. in Credit Cards

Beware of using Bank of America card….

Janneman — Wed, 14 Sep 2022 21:11:58 GMT

Don't know if this is the right place to post it, but moderators can direct it to its right place if its not the right place.

Last month I ordered food online from Doordash, but I got rotten food. Dont know it was rotten because of the vegetable oil they might have used or rotten vegetables were used, but food was rotten. I immediately contacted Doordash and explained to them and even offered them that I could take the food back to the resturant that it came from as the restruarant was in my area, so that they could inspect it, but customer service agent said that I didnt need to and informed me that I would get the resolution within 24 hours.

Next day I received an email from DoorDash telling me that they apologized for the experience I had, but they couldn't offer me any replacement for the food nor any refund because of their rules and conditions. I contacted them and requested them which specific rule they are referring to in order to deny any replacement and refund because they have 40 pages of rules. Agent said that she doesn't know but just said rules and conditions. I never previously ever reporting any issue to Doordash. That was my first time.

I disputed this charge with Bank of America as I charged the food on my BOA customezied card, and I submitted at least 49 pages of evidences/submission which includes copy of food, my written correspondences with DD and mostly 41 pages of their rules and conditions. BOA denied by claim by saying that merchant (DD) did provide the service, so they must need to get paid. I contacted BOA dispute dept and argues that I did not order rotten and damaged food so to say that merchant must need to get paid, but they refused to listen to me anything. I spoke with 3 different supervisors and 4 agents but they all said the same thing that merchant rendered the service, thus needs to get paid even if quality of service is not what I ordered or didnt get what I ordered.

I am very much saddened and disappointed with this disposition of the claim by BOA, but thanks God that disputed amount was only $32, but I will NEVER use BOA card anymore. I am now extremely afraid to use BOA cards because if I would use and if ever any dispute or problem arises then I can NEVER count or trust BOA to resolve it in amicable way, rather BOA takes the side of merchants without the merit and facts. I have two cards with them, one personal and one business. I will NEVER use anymore. If they would like to close it down, so be it.

I have Amex cards for many years...I disputed many transactions at least 200 times, and trust me all disputes were resolved within a few hours in my favor, and all those disputes were over $100...highest one was for $700...Same thing with Chase...disputed at least 40 times in 9 yrs...all disputes were over $100, and highest one was $3k.....Same thing with Discover in 11 yrs...highest dispute was $900......and BOA denied me for $32 and even thought I never filed any dispute with them in 3 yrs???? To me it was right and wrong. Food was rotten and damaged when it was delivered to me, but BOA doesn't wanna listen this.

I know you all love BOA and you guys might have nice experience with this lender, but what happened with me, could also happen with you. Not saying that it will also happen with you...but it could happen. BOA doesn't have any personal rage against me...I have been a very good customer for the last 3 and half year....I have credit line over $27k on personal card- Customized one, and $5k one with business card which opened 2 months ago. But charge was on personal card. Very clean history and not ever any dispute I filed. Yes, so far you guys might have been treated so well when it comes to disputes, but doesn't mean you will always be treated fairly, rather what happened to me could also happen to me.

Discover and Amex are the best in my personal experiences when it comes to dispute...and then Chase...Could you imagine Chase resolved the dispute for the amount of $3K when transaction occurred at abroad but they cared more the relationship and resolved it within a few days...

The purpose of this post not to discourage you, rather to enlighten you that BOA can treat you too the way that has treated me. So, just be aware that you might not have any recourse if something goes wrong about your transaction. I never thought also, but it did happen to me. BOA is just being the mouthpiece of DD by saying that-merchant rendered the service, it gets to be paid regardless of the fact food was rotten or not. Could you believe that BOA gave me this reason in writing and 10 times over the phone to deny my claim?? I mean, they are saying that it doesn't matter food was rotten or not, merchant needs to get paid. If they have not mentioned this particular phrase or statement then it wouldn't have scared me for future usage of their cards, but they have said in writing that merchant must need to get paid even though food was rotten...Wowwww....that's unbelievable.

Re: Beware of using Bank of America card….

Remedios — Wed, 14 Sep 2022 22:34:53 GMT

You have 240 disputes between two lenders?

Yo... 🤯

I had to reach out to Doordash twice in the past 3 years, always resolved without any issues.

Now, if you've been reporting a lot of "rotten" food, this is predictable outcome.

This is not standard response for them

Re: Beware of using Bank of America card….

Bill77 — Wed, 14 Sep 2022 22:45:32 GMT

Try Grubhub next time. Great customer service by live chat or phone. The few times I've had problems it has been resolved immediately.

Re: Beware of using Bank of America card….

Bradac56 — Wed, 14 Sep 2022 22:48:21 GMT

I have to aggree with @Remedios I'm a bit surprised with that many disputes even Amex hasn't cancled your card(s). I know BOfA will not tolerate hard to deal with customers for long.

I've had 2 disputes (one each with a different lender) in the last 10 years.

Re: Beware of using Bank of America card….

Anonymous — Wed, 14 Sep 2022 22:49:56 GMT

Also, does OP think submitting 40+ pages of rules is going to help the case? Just makes it easy for an overworked agent to deny!

Re: Beware of using Bank of America card….

CreditCuriosity — Wed, 14 Sep 2022 22:57:47 GMT

Amount of disputes is mind boggling. Not meaning to pick on anyone, but with that amount of disputes despite how much one charges one has to question certain things. I have had like 4 disputes over 20+ years over three different lenders I think.

Also to note doordash has always refunded me with no problems if food was cold(took longer than normal for delivery), extremely late, etc. always handled it well

Re: Beware of using Bank of America card….

Janneman — Wed, 14 Sep 2022 22:59:07 GMT

@Anonymous wrote:
Also, does OP think submitting 40+ pages of rules is going to help the case? Just makes it easy for an overworked agent to deny!

I wasn't thinking anything except helping BOA to investigate the dispute in a timely manner with all the facts and evidences presented to them. I, myself did not know that their rules would be of 40+ pages, and I learned about it when my claim was denied and talked to them over the phone. I downloaded DD rules from their site in a PDF which wasn't that big though...and I submitted along with all the relevant documents pertaining to the claim. I just wanted them to have everything relevant to the claim, but now I think I should not have submitted all those rules...let them do their dirty job...helping sometimes doesn't work in your favor...Learned my lesson.

Re: Beware of using Bank of America card….

Cashbackjunky — Wed, 14 Sep 2022 23:00:45 GMT

I mean.. BofA is right. Door dash provided a service to you - if that service wasn't to your liking, take it up with door dash.

Filling a charge dispute with a lender because you didn't like what you received almost feels like fraud to me ?

I will say, the couple of times I've had to file a dispute with door dash, the resolution has been immediate and in my favor. I'm not sure why you've had such experience with door dash.

For sure though, I don't think you should aim your frustrations at BofA. You ordered a service and received it - door dash needs to be paid. The only people who can (and should) refund your money, in my opinion, are door dash.

Luckily, I've only had to file 1 dispute for a fraudulent charge on any of my BofA CC's and they were punctual and polite.

200 disputes with AmEx?!? I'd be walking on eggshells with them 😬

Cheers!

Re: Beware of using Bank of America card….

Janneman — Wed, 14 Sep 2022 23:01:37 GMT

@Remedios wrote:
You have 240 disputes between two lenders?

Yo... 🤯

I had to reach out to Doordash twice in the past 3 years, always resolved without any issues.
Now, if you've been reporting a lot of "rotten" food, this is predictable outcome.
This is not standard response for them

This was my FIRST issue ever with Doordash...I never reported any issue with DD even though I have been ordering food from them for the last 2 years, I guess. So, I dont know where this " a lot of rotten food reporting" comes from you....I was very much clear in my initial posting that this is was my issue with DD and first dispute with BOA....

Re: Beware of using Bank of America card….

Janneman — Wed, 14 Sep 2022 23:02:55 GMT

@Bill77 wrote:

Try Grubhub next time. Great customer service by live chat or phone. The few times I've had problems it has been resolved immediately.

Thank you so much for such a positive posting without being nagative and judging....Appreciated...

Re: Beware of using Bank of America card….

Janneman — Thu, 15 Sep 2022 02:03:23 GMT

@Bradac56 wrote:
I have to aggree with @Remedios I'm a bit surprised with that many disputes even Amex hasn't cancled your card(s). I know BOfA will not tolerate hard to deal with customers for long.

I've had 2 disputes (one each with a different lender) in the last 10 years.

I think you did not read my posting well enough. This was my FIRST dispute ever with DD and Bank of America. I have NEVER filed ANY dispute with Bank of America even though I have BOA card for 3 and half year and I have been ordering food from DD for the last 2 years on weekly basis. No issue ever until this one. As for Amex then Amex is opened last 25 years and all the claims with Amex were in 25 yrs.

Re: Beware of using Bank of America card….

Janneman — Wed, 14 Sep 2022 23:08:38 GMT

@CreditCuriosity wrote:
Amount of disputes is mind boggling. Not meaning to pick on anyone, but with that amount of disputes despite how much one charges one has to question certain things. I have had like 4 disputes over 20+ years over three different lenders I think.

Also to note doordash has always refunded me with no problems if food was cold(took longer than normal for delivery), extremely late, etc. always handled it well

So, you DID call DD and reported issues wherein you got refund, but I NEVER reported ANY issue to DD in last 2 yrs until this one only...As for my other disputes with all other lenders then those disputes were not only for foods, rather all kinds of issues and those were in a period of many many years...going back to 25 yrs...

Re: Beware of using Bank of America card….

Janneman — Wed, 14 Sep 2022 23:12:06 GMT

@Cashbackjunky wrote:
I mean.. BofA is right. Door dash provided a service to you - if that service wasn't to your liking, take it up with door dash.

Filling a charge dispute with a lender because you didn't like what you received almost feels like fraud to me ?

I will say, the couple of times I've had to file a dispute with door dash, the resolution has been immediate and in my favor. I'm not sure why you've had such experience with door dash.

For sure though, I don't think you should aim your frustrations at BofA. You ordered a service and received it - door dash needs to be paid. The only people who can (and should) refund your money, in my opinion, are door dash.

Luckily, I've only had to file 1 dispute for a fraudulent charge on any of my BofA CC's and they were punctual and polite.

200 disputes with AmEx?!? I'd be walking on eggshells with them 😬

Cheers!

You and others who reported issues to DD a few times, and issues were resolved by DD in you guys favor, but this wasn't the case with me. I reported only time and they didnt resolve the issue in my favor by quoting their rules...I got it that its ok for merchant to get paid even if I get rotten food...I hope, you to never experienced this issue in the future...not only for food, but any other purchase then you would know what I am talking about...

Re: Beware of using Bank of America card….

Janneman — Wed, 14 Sep 2022 23:16:29 GMT

@Remedios wrote:
You have 240 disputes between two lenders?

Yo... 🤯

I had to reach out to Doordash twice in the past 3 years, always resolved without any issues.
Now, if you've been reporting a lot of "rotten" food, this is predictable outcome.
This is not standard response for them

No...Not 240, rather almost 200....and not with two lenders, rather many lenders in my lifetime and main ones were- Amex, Chase, US bank, Discover, NFCU, Alliant and many more....Going back 25 yrs...

Re: Beware of using Bank of America card….

Cashbackjunky — Wed, 14 Sep 2022 23:17:31 GMT

@Janneman wrote:
@Cashbackjunky wrote:
I mean.. BofA is right. Door dash provided a service to you - if that service wasn't to your liking, take it up with door dash.

Filling a charge dispute with a lender because you didn't like what you received almost feels like fraud to me ?

I will say, the couple of times I've had to file a dispute with door dash, the resolution has been immediate and in my favor. I'm not sure why you've had such experience with door dash.

For sure though, I don't think you should aim your frustrations at BofA. You ordered a service and received it - door dash needs to be paid. The only people who can (and should) refund your money, in my opinion, are door dash.

Luckily, I've only had to file 1 dispute for a fraudulent charge on any of my BofA CC's and they were punctual and polite.

200 disputes with AmEx?!? I'd be walking on eggshells with them 😬

Cheers!
You and others who reported issues to DD a few times, and issues were resolved by DD in you guys favor, but this wasn't the case with me. I reported only time and they didnt resolve the issue in my favor by quoting their rules...I got it that its ok for merchant to get paid even if I get rotten food...I hope, you to never experienced this issue in the future...not only for food, but any other purchase then you would know what I am talking about...

I understand your frustration. I guess the point I'm trying to make is you shouldn't be mad at BofA. Be mad at Door dash.

Because I live an analogy filled life... That's like financing a car, only to get it home and find it doesn't get as good of gas mileage as advertised.
Would you call your loan servicer demanding your money back or would you take it up with the dealership? (Not like you'd get your money back from the dealership in this scenario anyway)

Re: Beware of using Bank of America card….

Janneman — Thu, 15 Sep 2022 02:05:08 GMT

@Remedios wrote:
You have 240 disputes between two lenders?

Yo... 🤯

I had to reach out to Doordash twice in the past 3 years, always resolved without any issues.
Now, if you've been reporting a lot of "rotten" food, this is predictable outcome.
This is not standard response for them

Good for you if your issues were resolved when you reached out twice to DD in the past. My mom once ordered for $40 food and she asked for brown rice with her food because of her being diabetic, but resturant mistakenly delivered her white rice...So she reached out to DD for this...DD gave her full refund (not only for the rice but for the whole order) plus $120 compensation on her account...So its good that DD and other outlets resolved for you guys, but not for me...I was DD customer for the last 2 yrs and have been ordering on weekly basis...and this is the first time I have reported the issue and it wasn't resolved in my favor. Was it my fault in all this?

Re: Beware of using Bank of America card….

Anonymous — Wed, 14 Sep 2022 23:44:29 GMT

@Cashbackjunky wrote:
I mean.. BofA is right. Door dash provided a service to you - if that service wasn't to your liking, take it up with door dash.

Filling a charge dispute with a lender because you didn't like what you received almost feels like fraud to me ?

No, that's waaaay too strong! Credit cards offer a dispute resolution service as part of their value prop (of course, if you have a problem with THEM, it's mandatory arbitration, but that's a different story!) The usual requirement is that you have tried to resolve the dispute with the merchant first, and clearly the OP did this.

The claim here is not that OP "didn't like" what was received (e.g. it was too spicy) but that it was rotten and unfit for anyone. This is the equivalent to buying some electronic appliance online, and it arrives broken. If the packaging is fine (so shipment service denies responsibility) and the seller says "It was fine when I sent it", trying to get the credit card company involved is the correct step.

So, that said, if all the facts are as stated, and BoA didn't take their responsibility seriously, you can see OPs annoyance. We know that issuers do differ in this, with historically Amex siding with customers more (to the extent that some merchants cite that as a reason for not accepting Amex).

Re: Beware of using Bank of America card….

CreditCuriosity — Wed, 14 Sep 2022 23:45:22 GMT

Sounds like you gotta do grubhub now.

Re: Beware of using Bank of America card….

elixerin — Thu, 15 Sep 2022 00:06:20 GMT

they must be losing a lot to implement this type of behavior, i had a $16 delivery from doordash fully refunded due to similar but this was a few months back

Re: Beware of using Bank of America card….

Cashbackjunky — Thu, 15 Sep 2022 00:11:51 GMT

@Anonymous wrote:
@Cashbackjunky wrote:
I mean.. BofA is right. Door dash provided a service to you - if that service wasn't to your liking, take it up with door dash.

Filling a charge dispute with a lender because you didn't like what you received almost feels like fraud to me ?

No, that's waaaay too strong! Credit cards offer a dispute resolution service as part of their value prop (of course, if you have a problem with THEM, it's mandatory arbitration, but that's a different story!) The usual requirement is that you have tried to resolve the dispute with the merchant first, and clearly the OP did this.

The claim here is not that OP "didn't like" what was received (e.g. it was too spicy) but that it was rotten and unfit for anyone. This is the equivalent to buying some electronic appliance online, and it arrives broken. If the packaging is fine (so shipment service denies responsibility) and the seller says "It was fine when I sent it", trying to get the credit card company involved is the correct step.

So, that said, if all the facts are as stated, and BoA didn't take their responsibility seriously, you can see OPs annoyance. We know that issuers do differ in this, with historically Amex siding with customers more (to the extent that some merchants cite that as a reason for not accepting Amex).

I agree with you here. I read it as a "charge dispute" which I thought was 'I didn't authorize this purchase'