Consumer complaint received 2021-06-15
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:
I filed a fraudulent activity claim for my unemployment benefits over 6 months ago. Bank has not helped me but I was told my claim was automatically and accidentally closed 2 times by them and i had to work tirelessly jumping through hoops but supposed to reopen it. They still didnt and then issued attached letter stating they would pay or resolve. They then just closed it one day before supposed to pay. And told me tough luck. Nothing you can do since fraud happened to you. Youre money in the amount of XXXX youve been waiting a year for that was stolen 6 months ago. Its all gone and youre XXXX. This can not be right. Why is this allowed to happen and what they can then just deny claim for no explanation after months of waiting and its okay. Im XXXX because of BoA. Literally. 

I have compiled the tracker below because its so much to deal with, it made it easier to ensure I dont miss any deadlines or deliverables. 

Days Unemployed : 484 Days Since UI Claim Filed : 325 Days Since Claim Approved : 298 Days Since First BoA Fraud Claim Filed : 132 Days Since Check Replacement Filed : 57 Total of Benefits Received : XXXX XXXX XXXX XXXX  ( Most Recent Check Pending Not Received XXXX XXXX XXXX Open Issues, Item Tracker and Current Status : Aggravated Identity Theft Paperwork : In Progress** COVID Declaration to Landlord for Rent Assistance : Mailed and Receipt Confirmed FTC ID Theft : Filed and Completed Restoration Steps LAPD Reports : Filed and Received Report Number Attached. 

FDIC Complaint : Filed and Confirmation USPS and US Postal Inspector Report of Stolen Checks : Filed and Confirmation Received CFPB Complaint : FiledXXXX XXXX XXXX Notified : In Progress/Working With ** XXXX XXXX : Contacted and Added to List of ID/Benefit Theft Victims BoA Fraud Claim For XX/XX/XXXX - XX/XX/XXXX Benefits : Opened XX/XX/XXXX | Claim Request to Be Reopened XX/XX/XXXX | XX/XX/XXXX XXXX Request for Claim to Be Reopened | XX/XX/XXXX Claim Still Not Reopened Complaint Filed | XX/XX/XXXX Faxed Additional Supporting Evidence : FDIC Complaint - FTC ID Theft Report - XXXX ID Theft Police Report Copy - XXXX Notice of Unauthorized Use XXXX XXXX XXXX XXXX - Notice to Furnishers FCRA XXXX XXXX XXXXXXXX XXXX XXXX XXXX Check Replacement Reports. | NO Credit or Response as of XXXX Called XX/XX/XXXX and told that XXXX is denied. Havent received anything except that Id get provisional credit by XX/XX/XXXX. 

XXXX Identity Verification : Verified XX/XX/XXXX BoA Account Frozen : Unfrozen XX/XX/XXXX and Account/Debit Card Active in Good Standing EDD Form XXXX Declaration for Replacement UI Check ( XXXX XXXX ) : Mailed XX/XX/XXXX EDD Form XXXX Declaration Under Perjury Forged Endorsement UI Check ( XXXX XXXX ) : Overnighted ( Delivered ) XX/XX/XXXX Awaiting Response** Replacement Paperwork for Check Issued XX/XX/XXXX ( XXXX ) : Called and Requested Forms on XX/XX/XXXX Awaiting Response** Benefits Issued for XX/XX/XXXX to XX/XX/XXXX : STILL Stolen and Not Reissued, Credited or Replaced as of XX/XX/XXXX ** Please let me know what I can do as I am unable to file for rent assistance with XXXX XXXX due to lack of funds. I am not eligible for the State program even though city is out of funds. Im Taking care of family and now homeless and nothing I can do until I receive the check replacements. The payments I am currently receiving are barely paying our bills, not to mention digging out of the hole this entire thing caused. Bank of America is not even close to adhering to the bank policy or laws they are supposed to when a claim is placed. I have reported to everyone I possibly know to and still nothing. Im left waiting and the one who is having to live with all the XXXX and Banks poor handling/decisions, not them. Its not any way to live. Try living over a year and a half on {$6000.00}. 

Im not expecting anyone else to do any work for me I just have exhausted my resources available to me and dont want some scammers getting away with taking my money I truly earned and need for my family.

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