Consumer complaint received 2024-01-26
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: CA
Product: Prepaid card
Sub-product: Government benefit card
Issue: Problem with a purchase or transfer
Sub-issue: Charged for a purchase or transfer you did not make with the card

Complaint:
This problem has been going on since the beginning of XXXXor the end of XXXX  when everyone got put on state emergency due to covid 19 i had help applying for my unemployment benefits because this was new to me I have never had to apply for stuff like this I always have help from my heath doctors or family. Well this time a friend of a friend helped me to apply said i will get an answer of approval immediately. After completing the application they said i got denied when not to long after i called and spoke with edd and they couldnt help me because someone had set up my account with information i could not verify cause i never set that up. After getting that resolved and going through so much hassle to verify myself i was told someone collected over XXXX of my covid relief benefits that my claim was in fact approved and paid the address that was on my account I was unaware of never lived there or knew anyone that lived there. I was told to contact BOFA to start a claim the next day because XXXX was going to update my information to the correct information. After I called BOFA BEING ON THE PHONE FOR HRS AND HRS TO GET HUNG UP to be treated very poorly I had opened a claim one day and being told the next day it's closed this went on for months and months I had to be with out food without light gas and almost without a roof over my head due to this and having no means of income. Everytime my claim was denied I reopened it I asked for them to please send me the proof of why they denied it and they never did. I have submitted police reports copies of my driver 's license my rental agreement everything and anything to help get this resolved. To this day im still being denied and I was sent a letter saying XXXX isn't gon na be using BOFA anymore and I'm scared of what's gon na happen to my money that I am owed how can they just allow this to happen and not fix it. After this long battle back and fourth for so long BOFA REFUNDED MY CARD WITH THE AMOUNT OF XXXX SAID THAT THATS THE AMOUNT THEY FOUND IN ERROR. AGAIN I ASKED FOR PROOF NEVER GOT IT WHEN I ASKED HOW DID THEY FIND THAT AMOUNT TO BE ERROR AND NOT THE REST THEY HAD NO ANSWER FOR ME. I SPOKE WITH SUPERVISORS DAILY AND WAS ALWAYS TOLD DIFFERENT INFORMATION I PUT IN SO MANY COMPLAINTS ON THE WORKERS THIS IS NERVE WRECKING AND STRESSFUL ESPECIALLY WHEN IM GOING TO FOOD BANKS TO GET FOOD BECAUSE I HAD NO MONEY BECAUSE OF THIS I PUT IN HARD SHIPS ASKED FOR THEM TO EXPEDITE MY CLAIM DUE TO EMERGENCY. AND THEY STILL DENIED MY CLAIM AND I HAVE TOLD THEM MORE THEN ONCE PLEASE REVIEW THE CAMERA FOOTAGE STORE FOOTAGE ANYTHING THEY POSSIBLY CAN BECAUSE I NEED MY MONEY ITS BEEN A FEW YEARS NOW I REQUESTED A NEW CLAIM IT GOT DENIED AGAIN I REALLY NEED SOMEONE TO LOOK INTO THIS GOOD BECAUSE I WAS A VICTIM OF IDENTITY THEFT A VICTIM OF FRAUD. AFTER A FEW YEARS OF THIS MESS THE DISTRICT ATTORNEY VICTIM UNIT CONTACTED ME THROUGH MAIL THE LETTER STATED SOME GUY GOT ARRESTED FOR HAVING MY PERSONAL BELONGINGS IN HIS POCESSION AND IS BEING PROSECUTED FOR IDENTITY THEFT.along with alot of other charges I let BOFA KNOW ABOUT THIS NEW INFORMATION AND THEY ONCE AGAIN DENIED MY CLAIM DIDNT WAN NA HEAR ANYTHING I WAS SAYING PRETTY MUCH SAID THEY WOULD REQUEST I BE SENT THE RESULTS OF DENIAL AND AGAIN NEVER DID. THIS IS MY LAST HOPE I REALLY NEED HELP FROM YOUR OFFICE TO GET PAID BEFORE ITS TO LATE I NEED MY STORY TO BE TOLD AND HEARD. DO I GO TO THE PRESS DO I GET MY ATTORNEY INVOLVED I AM AT A DEAD END DONT KNOW WHAT ELSE TO DO OR WHO TO GET TO HELP ME GET TO THE BOTTOM OF THIS. 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 monetary relief