Dear Consumer Financial Protection Bureau : I am here to file a fraudulent charge, and poor customer service claim from both " XXXX '' and Bank of America ( BOA ). On XX/XX/XXXX, I had a fraudulent charge on my bank account from XXXX in XXXX XXXX, IL. I called Bank of America that day, reporting the issue, and informed them that my debit card was compromised. In the end, a claim was put through, and it was found that the charge was fraudulent, and that I would receive credit back into my account. I officially received the credit on XX/XX/XXXX. As of XX/XX/XXXX, I received a notice in the mail from " XXXX XXXX '', saying that they disagree with the transaction, and are charging me with the same amount of the fraudulent charge. On XX/XX/XXXX. the charge will be transferred to a collection agency. 

On, XX/XX/XXXX, I called XXXX explaining the issue, and they did not listen. So, I went to Bank of America to solve the issue again. The first representative completely understood my problem, and recommended that we do a three-way call with " XXXX XXXX '' to get things in order. Once again, even with the Bank of America customer service representative explaining that XXXX is in the wrong, XXXX still refused to drop the charge. According to XXXX, they said that a grocery deliver was confirmed on the date of the charge, and that I owe them. The Bank of America representative was not happy, and decided to transfer the XXXX representative and I to the claims department of BOA. 

Once I explained my part, and the representative from XXXX explained their side, the claims department from BOA, even with the obvious evidence that XXXX is in the wrong, AGREED with XXXX, and said that I owe XXXX their money. 

To this date, XX/XX/XXXX, XXXX has sent me fraudulent evidence over an e-mail, listing the charges and the grocery bill. Yet, under the policy that XXXX has established, there needs to be evidence, when the delivery is made, that a signature from the consumer is provided to confirm the delivery. In the paperwork they sent me, my signature is NOT on the evidence. Needless to say, this is wrong, and this is financial abuse. Please let me know as soon as possible if anyone can help me. This is a very unusual situation, and like most consumers I ca n't afford to have a disruption in my finances. Please help. 
