Consumer complaint received 2023-05-22
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: CA
Product: Credit card or prepaid card
Sub-product: Government benefit card
Issue: Unexpected or other fees

Complaint:
XX/XX/XXXX thru XX/XX/XXXX Bank of america prepaid card services left my claims open for over a year with no provisional credit provided to claims .. when recent claim was paid out from 8 months or so ago i began check7ng in detail my account. And found that bank of america was taking money between transactions. When i contacted them about this issue, bank of america then tried to correct the issue wuthout paying me tge missing funds. However., they ended up having more funds missing inbetween transactions ..i have been dealing wuth this since XX/XX/XXXX when i found all the issues that gad occured without my knowledge .. why i didnt find theese issues sooner? I had problems with EDD in the beging im a XXXX  XXXX XXXX XXXX refustered and permited to di business in the state if california and city of XXXX XXXXXXXX adter i was wrongfully terminated by XXXX XXXX in XX/XX/XXXX i appltied for edd benffits on the same day i was terminated and was denied ben7fits electronicaly ..i never bither to re apply after that ..instead i took what m9ney i gad at that time and put into street vending thrift sales, i was homeless at the time working to save money to exit homelessness in XXXX XXXX .. so XX/XX/XXXX all the way up to XX/XX/XXXX when the whole city of XXXX XXXX  shut down. I was affected by this wgen they announced self employed people can apply for benifits i applied and was approved and given online acess to create my claim account without acess u can nit enter the edd portal ..to certify for bennifits .. after i gained acess i certified for benifits then self employed people where certifying for past ben7fits up to 6 months and all selfemployed people were getting abywhere from XXXX XXXX to XXXX XXXX in first payment lumpsums if qualified i qualified but never recieved the lumpsum i didnt recieve anything until 5 months after applying.. i was desperate ..eapecially because during the time of my XXXX XXXX i got out of homelessness i was able to rent out a room in XXXX XXXX  area for XXXX a month .. after the pandemic hit and i applied for benifits i asured my landlord i would still be able to afford the rent.. i waited waited kept calling edd they would tell me the benifits are goung to hit my card in 48 hours but that never happend in XXXX right before my beniffits hit iftn XXXX ..my land lord.. had me kicked out saud i was lying that i recieved payment already cause the bank was sending me several debit cards that were all empty, randomly .. and she was the one collecting the mail daily .. i recied 10 pelrwpaid cards from bofa between XXXX and XXXX of XXXX when i finaly recueved payment it was in the amount of XXXX .two weeks after i recieved XXXX. In desperation i tried to go back and pay my landlord but she refused to let me back but took from me het back rent. I had to pay her XXXX ..which i did in the matter of 3 days .. my payments were not consistant at all i had to appeal edd decusion at one point to get my money ..so during these times of desperation and not knowing when payments would hit my card due to inconsistansmcy. I was left dagling .. just recently edd sent me a letter wtating i was over paid XXXX dollars that lead me to check my card account and thats how i found the unaurthorizrd trans actions and missing funds in betemween these transactions .. my mistake was complaining to bofa about it ..cause they altered it with my findings to correct it without paying me or explaining why the miney is missing .. luckily i made a copy of my statements .but then my statements disappeared from XX/XX/XXXX to XX/XX/XXXX ..but i was still able to go to my balance and trans action and find all my statements thru that .. what i did was go thru my edd deposits from edd first ..wrote the dates of deposits the amount deposited then compared to my d3posits from bank of america .. they matched so then i looked at all my balances and transactions .. goung of my available balances ..from XX/XX/XXXX in the amount if XXXX .. there was a purchse for XXXX XXXX leaving XXXX XXXX then a withdraw for XXXX where the available balance was left at XXXX XXXX .. then another deposit from edd for XXXX whuch should have brought my avalabke balance back up to XXXX XXXX ..but instead it gave me an available balance of XXXX ..difference XXXX dollars ..on XXXX XXXX.. a purcgse fir XXXX XXXX leaving available balance of XXXX XXXX .. that XXXX missising ..then anither ourcgse for XXXX XXXX leaving XXXX XXXX as available .. then XXXX withdraw ..left me a balance of XXXX XXXX .. when i pointed thus out several times .. they said they escalated it ..to the back office .i even had claim reps read my account to me to see the difference s .. they agreed.. i soent 2 to 5 hours a day on the phone with boga claims and claims suoervisors just to check my account and see that they changed the numbers .. but whats funny the money is still m8ssing if not more .. i decuded to no longer inform them about the ussues so tgey can change it online but to keep everything i find and reach out to other people like you huys for help .. there is way m8re then just this i found .. that keads me to believe that the fraud us within the bank .. they took advantage of my desperate need fir funds. So, i wouldnt be triggered to check my account. .. and pkayed me out of thousands of dollars .. i will provide all documents when requested ..to support my findings.

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 monetary relief