Consumer complaint received 2021-09-04
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:
With the XXXX County sheriffs department Its starts with me filing for edd last year in XXXX. I applied and everything went through but I never received a card and I couldnt get into my account on the online portal so I just figured maybe I didnt get the benefits or whatever so I let it go then re applied and got denied so I didnt think anything of it. Well here recently a friend of mine told me I need to look into it so they called edd for me and I was able to talk to a rep that helped me change all the info on my account my email my address and my phone number. So I finally got into my edd account and it showed that I had been paid out XXXX XXXX dollars and have been receiving benefits since the day XXXX applied so I talked to edd and told them about the fraud and did everything on their end and it came down to them telling me I had to resolve this with Bank of America so I took the steps to do so I let boa know that everything on my account has been fraud and that I needed to get my funds back so they helped me change all my information to whats correct and current and I ordered a new card and they said that I would have to file a dispute so I did I filed a claim for everything thats ever been posted to the account and the rep told me it was around XXXX well I filled out the claim and called a couple days to check back. So Im talking to the rep and they said that my claim was denied and that if I wanted to get it done I had to file a police report so I did. I had a sheriff come to my home and filed a police report with oc sheriffs department then boa blocks me on my account I had to personally go into the bank branch and get my identification verified with the branch manager so I did and I verified my identity then Days later I call boa to check the status of my claim and Im blocked on my account again and boa tells me I have to refer to my sponser edd so I do then I finally get through with them after days of trying to call and everything is good I get my account back and access to it after they sent boa my proof of benefits doesnt seem like much but all this has taken months and now boa is saying that I have to fax in a picture of my ID and send them my own report this is outrageous boa closed my claim multiple times within a short amount of time so I dont think that boa did their job correctly if they investigated it they clearly would have found my claim accurate I have never had a card up until now and have never spent any of the funds that were fraudulently spent look at the cameras and investigate because it wasnt me Ive been jumping through hoops and going through everything boa and edd has asked of me and I need my money so I hope that this report of my own me sending in my ID card and having filed a police report and a report with the FTC is sufficient Ive been going through this for months enough is enough I need my funds thank you The card that I ordered after I found this out ends in XXXX, anything before that is fraudulently claimed on my benefits and Ive already confirmed with Edd eligibility and am in contact with the assembly member who also is going to help me resolve this issue.. if I dont get my money returned I will be contacting my lawyer and Im going to sue.

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