On XXXX XXXX, I received an email from Bank of America because there was suspicious activity on my Credit Card. Someone had made a purchase for {$400.00} at a XXXX XXXX XXXX, MA. A second large purchase was attempted but declined. I informed a representative from Bank of America that the charges were indeed fraudulent. The charges were reversed from my account, the card was cancelled and my wife and I received new cards in the mail. 
Over two months later my wife and I shopped at XXXX and spent {$140.00XXXX. After checking out we realized that XXXX of the items we purchased was something that we did not need so we returned it and got a credit for {$29.00}. 
On XXXX/XXXX/15 a charge appeared on my statement for {$29.00} with the description " Fraud Dispute. '' I called Bank of America Credit Card Services and they informed me that it was decided that the charge was not fraudulent. I protested and upon further investigation and explanation, the representative told me that the charges were done by the computer system because it assumed that the merchant was issuing the credit ( for the fraud ) and they were taking back their credit. 
I stated that these stores were not even in the same area and that the amounts were not even close. The representative informed me that that was simply how the system worked. I caught this because I am someone who monitors my finances very closely and I fear that a lot of other people would not have caught it. I also question that if I return and other purchases from any XXXX that the credit I will get will be reversed by the Bank 's system. In the end the bank did agree to reverse the charge. I still however consider this a fraudulent business practice by Bank of America Credit Card Services. 
