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    Posted December 17, 2013 by
    san diego, California
    This iReport is part of an assignment:
    The written word: Your personal essays

    B of A bullies consumers to pay unauthorized charges by lowering credit scores

    Credit companies can't reverse unauthorized charges and leaves consumers with bad credit scores. This happened to me with Bank of America. I never authotized a charge for a foreign merchant,  Bank of America failed to reverse the payment they have made even after I provided them complete documents to prove I did not use the services of the merchant, left me with the bill that I never received services for, leaving me with a bad credit score.I wonder how many other people have become victims by big corportations by lack of strength to defend for themselves.I am definitely one of the victims and I would like the public to know of this.Here is my story.I went abroad to Europe and rented a car for 37 days through Enterprise in Frankfurt, Germany after making a reservation online through I have the reservation confirmation email/number and the sales receipt for the rental for 890 Euros. On my credit statement, Bank of America authorized a charge by a merchant that I had never heard of and in UK currency, equvalent to $1, 600. I brought this attention to Bank of America and provided them with my sales receipt and confirmation letter with the merchant that I did use. Bank of America closed my case and left me with the charges and continue to add late fees and as a result left me with a bad credit. Big corporations should not bully consumers with their power to lower consumers' credit for their failure to reverse a charge from a foreign merchant. Please investigate this matter and bring it to attention to the public. Thank you.

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