I haven't posted much here - I don't even know if I posted my happy dance a couple of years ago - but now an old card has reared its ugly head and is stressing me out.I have a BoA card. It was originally a balance-transfer card during debt pay-down, which worked well, but I didn't cancel it after I no longer needed it and after a few years, it recently sprouted a bogus charge - for some credit protection thing, I think it was.I disputed the charge with BoA using the FTC's dispute letter template, certified mail return-receipt-requested, the works. This is the response I got:"Thank you for your recent inquiry concerning the charge billed to your Bank of America credit card account in the amount of $9.95. Unfortunately, as we are unable to cancel memberships for cardholders, you must contact the merchant directly and request credit for charges already billed."After you contact the merchant, please forward a letter to us indicating the date on which you cancelled the membership and the merchant's response."(Emphases mine)Cancel the membership? What? I wrote regarding a fraudulent charge, not some inconvenient membership I was too lazy to cancel!Is this in violation of the FCBA, or did I misunderstand the process? They never used the word "investigation" in their response, so I don't think they're claiming to have done one, which I thought they were required to do. I don't have contact information on this "merchant" beyond the 800 number printed on the bill. Needless to say I would prefer to contact them in writing if at all. Heaven knows what they'd claim I signed up for if I were to call the number.Any advice would be appreciated. I never thought they could just reject a dispute letter like this.
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