Consumer complaint received 2023-08-17
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: CA
Product: Credit card or prepaid card
Sub-product: Government benefit card
Issue: Problem getting a card or closing an account
Sub-issue: Trouble getting a working replacement card

Complaint:
Hello. I first filed this complaint with the company in XXXX of 2020. I received a large portion of my unemployment from XXXX. I'm not a tech savvy guy I'm not a bank guy I don't like dealing with these things and what I noticed right away was someone from high school I had hired to do some work at my home it just so happens I know him from high school that's not why I hired him anyhow my guess is that he either took my information from my house or took a picture or however he did it but I noticed almost immediately that my email address with my unemployment would Bank of America was replaced with his personal email address first name and last. After I noticed that I looked at the transactions and sure enough several XXXX dollars came out of my account and he apparently used some sort of payment program with XXXX to pay people who I've never even heard of in my life. I would guarantee that if you were to see where those payments originated from it would be from his XXXX account or one that he made or something like that I don't really know how these things work. like I said I'm not a bank guy or tech guy I was busy working out of town I didn't want to call about it I hate calling banks so it took me you know a couple of months to get around to calling about it because my girlfriend would not let it go. Once she told me the total that's when I got pretty angry I contacted him the thief and of course he denied it but he used his own email address on my Bank of America account XXXX separate email addresses and I don't know any of these people that he paid my money to. Shortly after that my phone was in an accident at work and I lost the screenshots and any evidence that I had and so I just sort of said you take some losses in life. Now fast forward till now and I got a new phone newer since then and my girlfriend was able to pull my back up from that time period I didn't even know I had a backup. So I just got a large file with several pictures that I haven't seen in years. A couple of those pictures were those screenshots that I lost so long ago. Now I have the actual evidence that this guy stole my money. I filed a claim again with Bank of America they locked my account out which I still having trouble getting a new car from them and I don't know why I can log into my account through the app but it says there's a problem with my card still and I can't log in on the online website which apparently is different. I have the screenshots showing he switched out my email address and locked me out of my account for good period of time I also have part of the transaction list since I can't log into the account fully anymore I can't pull the whole transaction list but it's on there somewhere. I want to say the total is somewhere around {$2400.00}. And I have been chirping at Bank of America about this since XXXX of 2020. At some point I was able to get a new card and I still have that card if I haven't used it there I mean I don't even know how to check to see if there's anything on it cuz I can't log in to the website to see anything it just tells me there's a problem with the card in the call and I've tried that and they want me to go to the branch and do all this stuff I live pretty far from any branch and I already went through all of this stuff and got a new card so now I don't know why the new car doesn't work and I can't login. The guy ended up going to prison for fraud for a few years not because of what he did to me although he should have he's known for doing this and I just want my money back That's all I want that's all I've been trying to get for 3 years now. My name is XXXX XXXX and his name is XXXX XXXX.

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