Consumer complaint received 2022-03-15
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: SC
Product: Credit card or prepaid card
Sub-product: Government benefit card
Issue: Problem getting a card or closing an account
Sub-issue: Trouble closing card

Complaint:
on XX/XX/XXXX I had a large lump sum back pay from South Carolina unemployment office put on to the Bank of America prepaid debit card because I want an appeal from XXXX XXXX reporting false wages for 8 months to XXXX appointment so they appeal went my favor and I got the back pay extend 8 months prior to XX/XX/XXXX XXXX in XXXX of XXXX I reported the Bank of America that I needed to get a new cash pay card sent to me but I did not want to send to my landlord 's address which I was resided at and renting a room from her because she had been stealing my mail several times and I reported that incident to the XXXX XXXX Police department and to the IRS and I even got informed delivery to the address to verify my mail going into the mailbox to have proof. I informative America not to send it to that address and I asked them if they could send it to a temporary address they said no I had to have a permanent address and they could not cancel the card out that was being sent XXXX  to the address where XXXX XXXX  XXXX my ex landlord was living. on XX/XX/XXXX my card apparently ended up at XXXX 's doorstep and she took it from XXXX  there was no signature at all there was no tracking number to my email nothing and XXXX XXXX activated my my debit card online with my social security number my date of birth and private information that I used to put on an application to rent the room for XXXXXXXX XXXX  XXXX so she committed fraud. I kept on telling Bank of America that I did not receive the card I did not received the card and they put it off put it off I even called the unemployment office of South Carolina reported fraud on my account which there was a false claim was opened in my name in Arizona of XXXX and I don't live in Arizona and I don't click unemployment in Arizona so my identity. XXXX XXXX XXXX stole the amount of {$4400.00} from me and that large lump sum of money that appeared on my debit card from South Carolina unemployment for back pay and she spent every last dime of it since XX/XX/XXXX and I could not get anything filed with Bank of America prepaid car services until after XX/XX/XXXX. I finally was able to get Bank of America in early XXXX to draw up me at bank statement to see what funds had been used prior and after XX/XX/XXXX and at first they weren't going to do it because they told me that they were affiliated with the second unemployment anymore I said that's true but back in XX/XX/XXXX together so this doesn't count at all because y'all were partners together with my friends for taking from that card because I got a text message from Bank of America stating how much funds were put on my card on XX/XX/XXXX at XXXX XXXX.. currently there is an open dispute fraudulent investigation on Bank of America and money has been piling into my account since XX/XX/XXXX of this year and I have been to vigorous security checkpoints with Bank of America on the phone I was told I was going to be getting a prepaid card sent to my permanent address which is XXXX XXXX XXXX XXXX XXXX XXXX XXXX South Carolina XXXX XXXX and I waited and waited the guy lied to me from Bank of America it was not miscommunication it was a lie so I called on XX/XX/XXXX and they said that they could not verify my identity anymore over the phone that I had to go into a secure branch location and bring two forms of identification with me so I did that on XX/XX/XXXX XXXX my appointment was at XXXX on XXXX XXXX branch Bank of America and I walked in and the lady who saw me was on the first office to your right when you walk into the double doors she was XXXX American female and she looked at me and got that I was going crazy because I had to explain to her that I had to call the cash pay card to verify my identity so she did it with me on speakerphone to the people they are from Texas usually they answer the call and I went to a vigorous identity check for about an hour and a half and the branch manager lady verify my license and my social security card both switch are still valid today and Bank of America finally got me validated and they told me that what did I want to do with the funds that I asked him how much funds that I have in my account and they told me that I had over 1, 400 and some {$9.00} in the in my account that the account was still open and that it was still collecting claims through fraudulent purchases that has stem back since XX/XX/XXXX that XXXX XXXX XXXXXXXX made on my account. they told me that I could get a check issue to me that I would be leaving Bank of America if you process on XX/XX/XXXX of XXXX and it would be at my doorstep by Monday XX/XX/XXXX and nothing is at my doorstep that I got that I've been in the running around for Bank of America I've called them several times on Monday Sunday Saturday of this past week and I'm getting nowhere and my money is sitting in an account that I can't touch I'm getting to run around from them they're telling me that my account 's closed now which is impossible because I still have it open for an investigation going on with this piece that are coming and off that back pay that was still one from my card at Bank of America is still associated with regardless of the outcome that between them regardless of the outcome between Bank of America and South Carolina unemployment now this doesn't matter about now it matters about prior to XX/XX/XXXX and Bank of America is trying to give me the runaround so they're trying it feels like to take my money and they won't give it to me no matter what I do. they told me they can't XXXX XXXX me the money like they could before they can't do anything they can't cancel the check that's in the apparently in the mail they can't do anything I have to wait for a check that's not coming and they told me that if I don't want the check that it'll be had to return to send her which is back to them but normal Banks can cancel a check and issue it the funds to you and then a different way because they have done that before for me when I was living in XXXX XXXX because they used to XXXX XXXX me money in XXXX XXXX SC.. Bank of America representative yesterday escalated my case apparently but I sat on hold for an hour and a half and they hung up on me so I'm trying to file a complaint I tried following one with the FDIC they refer to you all I need somebody's help I've also filed fraud papers against XXXX XXXX XXXXXXXX and her address is XXXX XXXX XXXX XXXX of the South Carolina XXXX XXXX lives or sorry she works at the XXXX XXXX and XXXX XXXX XXXX XXXX XXXX XXXX Bank of America has my money in my account in their possession and it's still open and it's in my account from what was told to me is still collecting money from the fraudulent plains that were basically purchased by XXXX and XXXX XXXX since XX/XX/XXXX of XXXX and America won't give me my money they're making me have to wait and they won't cancel the check in the mail but there is one it's always running around and I've been lied to you even when I proven my identity to the people I just need my money I need I need help can you 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 monetary relief