Consumer complaint received 2021-04-13
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: CA
Product: Checking or savings account
Sub-product: Checking account
Issue: Problem with a lender or other company charging your account
Sub-issue: Transaction was not authorized

Complaint:
On XX/XX/XXXX my Bank of America / Edd bank card where I received my unemployment benefits was used unauthorized starting XX/XX/XXXX up until XX/XX/XXXX XXXX. I had my debit card put away locked up went out of town to North Carolina and Florida and realized the transactions when I came back in town. I called the bank BOA right away to report the unauthorized transactions. Besides waiting on hold for an hour and 50 mins finally a bank rep answered I made my complaint she said she put the claim in but I would have to call back the next day to talk to a superior Rep to have my money put back in my account. The next day which was XX/XX/XXXX I received a letter in the mail that stated after investigating my claim it was my failt and BOA is taking my credit back and I loose my claim my claim for equaled up to {$1900.00} then stated in the letter that my benefits account with BOA is now frozen and I am unable to withdraw or receive my benefits on my card including the {$1900.00} that was used unlawfully. I speak to numerous reps about my claim months go by comes the date of XX/XX/XXXX still no resolution in my claim. Since XX/XX/XXXX up until XX/XX/XXXX I had placed SEVEN claims in with seven different BOA Reps I ask why do I have to keep applying and opening new claims they said just to make sure the Superior Reps get it. Then make a decision. I ask my Edd account is all up to date why is my account still frozen with BOA no answer has ever been given to me. Remind you after each rep files a new claim I keep getting letter the next day says my claim Im not in my favor and once again my account is still frozen for no reason what so ever ...! This bank is violating my XXXX amendment and breaking laws as well as violating policies that they made on their handbook for bankers. Now its practically 3 months pass since my first claim about my {$1900.00} I receive a letter on XX/XX/XXXX that says we have came to the conclusion that your bank was used unlawfully and unauthorized so we lifted the freeze off your account and your funds are ready to be used and access. Thank XXXX but since almost four months passed I got rid of my old BOA/EDD card away it was no use for me so o called BOA right away to let them know I just received a letter that my freeze was lifted and my {$1900.00} is accessible now but I dont have a card so I need another one sent out to me. The Rep had another card expedited to me but let me know there was only {$6.00} left in my account. I told her that shouldnt be I had {$1900.00} in my account before the bank closed it she said well Im going to have to submit another claim for your money ... Now I am totally livid beyond upset to the point I want to scream to the top of my lungs so the Bank of America Rep placed another claim which makes claim 8 to get back my money. I just recieved my card in the mail yesterday which was XX/XX/XXXX. I try to activate it and the automotive service rep told me THIS CARD ACCOUNT HAS BEEN CLOSED I CALL BACK THE BACK AND A REP TELLS ME NO ONE IS AVAILABLE TO TAKE MY CALL CALL BACK TOMORROW I SIT ON THE PHINE EXPLAIN WHY IM SO FRUSTRATED THE REP THEN TALK OVER ME TELLS ME THANK YOU FOR CALLING BANK OF AMERICA HAVE A NICE DAY THEN HANGS UP.!! I RECORD EVERY CALL THAT I MAKE TO BANK OF AMERICA TO THE REPA ON THE PHONE TO THE SUPERVISORS TO THEIR OWN INVESTIGATORS AS WELL AS THREE WAY CALL WITH EDD & BOA REPS ON THE LINE DEFENDING AGAINST THE BANK ON MY BEHALF ..! Only to be hung up on or TOLD YOU ARE NOT A BANK OF AMERICA CUSTOMER YOUR AN EDD CUSTOMER SO CALL EDD. Thats nothing but a COWARD WAY OUT OF SCAM BUSINESS THEY ARE CONDUCTING TO FRAUD ON ACCOUNTS TO STEALING AND KEEPING MONEY THAT IS INDEED GRANTED /ENTITLED TO FROM YEARS OF WORK THAT WE OUT IN THROUGH OUT LIFETIME. Im fed up with this to the most I can take in ..! I HAVE CLOSE CONNECTIONS WITH LAWYERS IN HIGH ELITE PLACES TO THE POINT I HAVE NO OTHER CHOICE BUT TO SUE THEM IN COURT AND EXPOSE MORE DEEPER MATTERS THAT WILL HAVE BANK OF AMERICA SHUT DOWN FOR GOOD! I HAVE SO MUCH DIRT ON BOA REPA, SUPERIORS, INVESTIGATORS REPA FOR BOA AS WELL AS A RECORDED CALL WITH XXXX XXXX SAYING HE CANT EVEN GET A HOLD OF A CREDIBLE REP WORKING FOR BANK OF AMERICA YES I HAVE CONNECTIONS LIKE THAT BECAUSE ONE OF MY FAMILY MEMBERS GREW UP WITH THE CEO OF BOA JUST SO HAPPENS WAY LONG BEFORE HE WAS CEO OR IN HIS XXXX XXXX. so lets not go there Im done fed up with and Im ready to expose it all!! Even go to the media ..!

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