Consumer complaint received 2023-04-12
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: CA
Product: Credit card or prepaid card
Sub-product: Government benefit card
Issue: Problem with a purchase or transfer
Sub-issue: Card company isn't resolving a dispute about a purchase or transfer

Complaint:
THE COMPANY XXXX IS WHO IS SUBCONTRACTED THROUGH BANK OF AMERICA DOES NOT ADHERE TO ANY OF THE LAWS THAT GIVE OVERSIGHT TO PREPAID CARDS AS SUCH. THEY CONSTANTLY PARTICIPATE IN DEVIOUS UNETHICAL ACTIVITY TO BEND THE LAW IN THEIR FAVOR. AT ONE POINT I ACTUALLY SUBMITTED A SIMILAR COMPLAINT AND WAS TOLD THAT EVERYTIME I SUBMIT A COMPLAINT IT BUYS THEM 60 MORE DAYS TO ADDRESS THE PROBLEM. A FEDERAL JUDGE RECENTLY SANCTIONED THEM TO GET THEIR ACT TOGETHER, BUT THEY ARE STILL UP TO NO GOOD. MY CARD WAS USED FRAUDULENTLY OVER AND OVER AND WHEN I GOT A HOLD OF IT I HAVE HAD TO BATTLE WITH THEM NUMEROUS TIMES OVER MULTIPLE CLAIMS THAT THEY KEPT OPENING AND CLOSING THROUGHOU6T THE PROCESS OF 6 MONTHS. THEY ARE DOING THIS TO QUITE A FEW PEOPLE ONLINE AS I JOINED A GROUP DISCUSSING. XXXX ) THEY HAVE YET TO CREDIT ME ALL THE FUNDS I AM ENTITLED TO 6 MONTHS LATER. XXXX ) THEY DENIED AND REOPENED A CLAIM 11 TIMES OVER THE PAST 5 MONTHS. WHEN I ASKED FOR SUPPORTING DOCUMENTATION TO ACCOUNT FOR THE FACTUAL BASIS THEY HAD AFTER EACH TIME THE CLAIM WAS CLOSED THEY DID NOT SEND IT. XXXX ) THEY APPLIED 6 TIMES A FRAUD BLOCK ON MY ACCOUNT IN AN ATTEMPT TO EVADE FROM DOING THEIR JOB AND ADHEARING TO REGULATION E. THE FRAUD BLOCK WAS SIMPLY PUT ON THE ACCOUNT SO THEY COULD USE IT AS A TOOL TO CLOSE A CLAIM AND THEN REOPEN IT AND NOT HAVE TO GIVE PROVISIONAL CREDIT FOR THIS CLAIM. XXXX ) THEY DID 33 TRANSFERS ( INTERBANK DEBITS ) WITHOUT SENDING ME DOCUMENTATION SO I CAN ACCOUNT FOR WHAT IS GOING ON. DENYING ME REASONS. XXXX ) THEY CLAIM TO HAVE CLOSED SOME CLAIMS AND GIVEN CREDITS FOR THOSE CLAIMS, BUT THE CREDIT IS NOT APPLIED. THEY ALSO DO THIS SO THEY CAN BUY 30 DAYS TO APPLY FOR A MISSING CREDIT TO THE ACCOUNT. THIS IS ANOTHER DISHONEST PRACTICE. XXXX ) MOST CLAIMS CLOSED WITH NO INVESTIGATION. THE DAY AFTER OR SAME DAY THEY ARE OPENED. THIS IS ONLY SO THEY CAN REOPEN THEM AND NOT PAY THE PROVISIONAL CREDITS THEY ARE LEGALLY OBLIGATED TO GIVE. XXXX ) AFTER 5 MONTHS ONE OF MY CLAIMS HAS BEEN REOPENED AND CLOSED 11 TIMES, AND THEY ARE NOW STATING IT IS A DUPLICATE CLAIM AND THE CREDITS HAVE BEEN APPLIED ( I HAVE XXXX MULTIPLE RECORDED CALLS IN WHICH I SPOKE WITH SUPERVISORS WHO CLOSED OUT ANY DUPLICATE CLAIMS IN THE SYSTEM, YET THEY ARE USING THIS IN AN ATTEMPT TO EVADE FROM PAYING OUT THE CLAIM. XXXX ) I HAD A NON FRAUD CLAIM IN RELATIONS TO A CHARGE. THEY CLOSED IT ON THE XXXX DAY WITH NO FACTUAL BASIS WHATSOEVER. I HAD GIVEN CONTACT INFORMATION SO THEY CAN VALIDATE THE CLAIM YET THEY DENIED ON XXXX DAY STATING NO ERROR OCCURED. WHEN CALLING IN AFTER THE FACT THEY SAY CAN WE REOPEN EVEN THOUGH THEY CLOSED FOR NO REASON OTHER THAN TO JUST DENY AND NOT HAVE TO PROVIDE THE CREDITS. I HAVE A RECORDING WITH THEIR MANAGEMENT WHO SAID " THIS IS BS THEY HAD NO REASON TO DENY THIS CLAIM ''. HE THEN WENT AHEAD TO REOPEN IT AND TELL ME THEY HAVE ANOTHER 45 DAYS TO INVESTIGATE IT. THESE PEOPLE DO NOT HAVE ANY INTEREST IN ADHEARING TO THE LAWS THAT PROTECT CONSUMERS IN THE UNITED STATES. SOMEONE NEEDS TO AUDIT THIS COMPANY, AND ALL CLAIMS BECAUSE I AM NOT THE ONLY PERSON THIS IS HAPPENING TO. WHOEVER HOLDS WHATEVER BANKING THAT AUTHORIZES XXXX TO ACT THIS m. 


Here is the scam XXXX is a vendor that is using Bank of Americas name and advertising the card as a Bank of America card. They are not getting sanctions against them because they are hiding under the Bank of America umbrella. Bank of America does not take ownership of the illegal banking practices because they are hiding behind the fact that they are using the card behind a vendor relationship. By doing such not either company is getting any resolution to the customer and in additional not following consumer guidelines as directed by the government and getting away doing this because both sides are passing the buck and effectively getting away with doing what they want and not having to deal with the consequences of breaking the laws that protect the consumers. Hence the company is not doing correct dispute practices and getting away with it. 

Bank of America is telling government its a vendors responsibility and the vendor is masking behind boa saying its boa.. nothing gets resolved no one takes ownership and they continue to do as they wish and break laws that should not be allowed. 

THEY ALSO, justify illegally denying disputes by saying they have sent supporting documentation that justify denying the claims. ( they dont do any investigation, but they do on the XXXX day deny the claim and use a copy of the account statement with the fraud transactions listed on them ). No investigation, not even a copy of the dispute filed with visa ( its not even initiated by them so no investigation was ever done ) ). This is to blow off the consumer and deny temp credit only to reopen and have indefinite time to investigate and deny claims without issuing credit in 10 days as per regulation E. 

Please help.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation