Not to take anything away from your terrible customer service experience, but this could happen with and cable or satellite company. Certainly, Dish, Comcast, TWC, Charter, etc. all have documented horror stories which echo the OP's. My advice for anyone dealing with these types of companies is to not let it get to you. Firstly, while $150 is not an insignificant amount of money for a lot of people, but, if it is on your credit card, and you don't think you should have to pay it, you're probably not going to. Secondly, switching from one of these companies to another is unlikely to deliver significantly different results.
I don't know about BofA, but my experience with CapitalOne and Citi and disputing charges is they immediately refund the money while they investigate. Obviously, YMMV.
My original advice stands that going to an AT&T corporate-owned store would have likely reduced the time to resolution. Now, I understand that not everyone has access to one of those, but, if you do, I highly recommend it. You will be talking to people face to face, and there is a local manager who can deal with many issues which need escalation.
Finally, this is really all on DirecTV for not letting you know up front about the balance at your address and the cancellation of the appointment. Were I you, I would make sure someone local with AT&T/DirectTV knows about that issue.
I don't know about BofA, but my experience with CapitalOne and Citi and disputing charges is they immediately refund the money while they investigate. Obviously, YMMV.
My original advice stands that going to an AT&T corporate-owned store would have likely reduced the time to resolution. Now, I understand that not everyone has access to one of those, but, if you do, I highly recommend it. You will be talking to people face to face, and there is a local manager who can deal with many issues which need escalation.
Finally, this is really all on DirecTV for not letting you know up front about the balance at your address and the cancellation of the appointment. Were I you, I would make sure someone local with AT&T/DirectTV knows about that issue.