I purchased a watch from an online merchant, XXXX XXXX company and never received the watch. My bank of america Visa is now refusing to credit me back the amount. This is merchandise not received. I asked BofA to send me their policy and it states that I have 120 days from promised delivery date to dispute this. I purposely used my BofA Visa to purchase this item for my protection. I have called BofA several times, produced emails showing the delivery date and they are not refunding me the amount. 
