Chronologically:
8/14/05 While paying bills online, I noticed several charges from a company I could not identify on my statement. One was for a substantial amount, and four previous were smaller amounts. I first tried to call the phone number listed on the charge, but it was "disconnected or not in service". I asked my wife (second card holder) and she knew nothing of the company or charges.
08/15 I called B of A and reported the charges as fraudulent. I was told that the first two charges could not be contested as they were over a month ago and that I would be faxed a form to dispute the more recent three charges (all from the same company). I filled out the form, signed and faxed it back to the number they provided.
08/16 My account was credited for the amount of the three charges, I had to go to the local branch and apply for new cards and I thought the matter was over other than the incovenience and mystery.
09/09 After getting an overdraft notice, I checked my account and found that the bank had reversed my credit for the full amount. I called to ask what had happened. They stated that "because the charges were submitted under my wife's card number, she would have to fill out and fax the dispute form". When I asked why they didn't tell me these charges were under her card, they explained that I could have read that in the last 4 digits of the transaction description detail number.
09/13 I had my wife fill out the form and faxed it back to the number provided. Several overdrafts occured from the unexpected expense.
10/01 I called to complain that the charges had still not been credited to my account. I eventually took pity on the CSR, who was obviously unable to help and could only offer "these things take some time" as an excuse for her company's irresponsible and careless behaviour.
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