Consumer complaint received 2022-04-30
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:
Update to CFPB case # XXXX BoA EDD Case # XXXX My complaint with BoA XXXX debit card was filed minutes after I learned of the fraudulent charges in XX/XX/XXXX via phone inquiry on XX/XX/XXXX. It's over 1 month yet BoA has not reversed the fraudulent charges & doesn't reply to emails, phone messages, faxes I've sent since then. BoA was incredibly irresponsible for approving the XXXX XXXX fraud charges, cancelling my card because of them but not investigating the charges or reversing them and not notifying me in any way. That's despite of Bank of America sued over EDD unemployment debit card fraud in XX/XX/XXXX as per : https : XXXX On XX/XX/XXXX XXXX received a voice message from BoA XXXX Regulatory rep XXXX XXXX XXXX XXXX XXXX. Called her back XXXX times during her working hours but always got her XXXX. Left messages but she never called back. Also spent hours at BoA XXXX XXXX, CA branch trying to get status of my case but could not get any update. Feel helpless & hopeless! 

Summary : On XX/XX/XXXX, XXXX XXXX BoA EDD Debit Card approved repeated fraudulent XXXX online charges & XXXX Park Mobile online charge using my BoA debit card number, but NOTHING ELSE! The criminal 's name, email address, physical mailing address, XXXX account user name did not match mine NOR were any of these XXXX XXXX  FRAUD transactions validated using the expiration date, XXXX digit code or PIN associated with my card. BoA EDD did not examine the fraudulent charges they APPROVED prior to cancelling the card in XX/XX/XXXX due to suspicious activity. My card was cancelled due to suspicious activity yet those fraudulent charges were not credited back! 
BoA EDD did not notify me of my card being cancelled or any of the fraudulent charges ( which shouldve been caught by BoA computers ). That's despite an online Fraud Alert XXXX ( CHECKED under Alerts ) to notify me via email of suspicious charges. Yet I never received an email or letter or phone call from BoA. After the card was cancelled I ONLY received emails that my monthly statement was available to view and how best to use my BoA EDD debit card My BoA EDD debit card was NEVER lost or stolen. It was in my house since it was received and NEVER used for any online transactions. It was used only once - XX/XX/XXXX to make a {$40.00} ATM withdrawal at BoA branch in XXXX XXXX CA. 
Filed BoA complaint immediately upon learning of the fraud charges on XX/XX/XXXX. Received a letter XX/XX/XXXX stating my claim was rejected because the fraudulent charges occurred more than 365 days ago. That is a lie as those charges were in XXXX XXXX I was never notified by BoA. 

Several times in XXXX I tried to log in to view my account balance, but the hyperlink in the emailed statement notification was BROKEN! When I called the number on the back of the card to complain, I could not reach a live person. No reason for me to check statements as there were no EDD deposits or redemptions made by me since XX/XX/XXXX. 

I was never notified by BoA-EDD of the suspicious charges which led them to cancel my card in XX/XX/XXXX WITHOUT NOTIFYING ME. Therefore, no time limit should apply. BoA was negligent, irresponsible & refuses to reply to my enquiries! 

I am a multi-decade BoA client with XXXX other BoA accounts active. Please help me!

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