Consumer complaint received 2025-12-09 00:00:00
Product: Prepaid card — Government benefit card
Issue: Unexpected or other fees — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: AZ

Complaint narrative:
Fraud Restitution Demand Unauthorized Removal of Federally-Backed Emergency Benefits and Altered Ledger Records I am reporting fraud and unlawful deprivation of federally-funded pandemic unemployment benefits by Bank of America related to my XXXX  XXXX unemployment benefits XXXX XXXX. 

Bank of America has produced three conflicting official ledgers for the same account and time period, each containing different balances, altered transaction histories, missing XXXX deposits, and unauthorized withdrawals. 

A bank can not rewrite financial history during a fraud dispute. 
A consumer can not lose historical transactions between statements. 

These actions violate : Electronic Fund Transfer Act ( EFTA ) Regulation E 12 C.F.R. 1005.11 ( access + timing violations ) Dodd-Frank Act 1036 ( UDAAP ) Federal and state recordkeeping requirements CFPB 2022 Consent Order on unemployment benefit cards Unauthorized Reversals & Withdrawals Verified {$2000.00} reversed on XX/XX/XXXX while account was frozen XXXX can not reverse provisional credits Only Bank of America has that authority Bank directly seized federally-issued benefits {$420.00} in XXXX-issued benefits never credited ( marked PAID ) XX/XX/XXXX {$210.00} XX/XX/XXXX {$210.00} {$280.00} withdrawn after account closure in XXXX {$150.00} removed by Bank of America in XXXX ( internal bank-coded withdrawal ) Post-closure activity is always unauthorized These are public relief dollars protected by Federal law. 

Proof of Ledger Alteration Timeline Based XX/XX/XXXX Bank of America issues a {$1.00} interest check, without any ledger entry explaining why. 

After requesting a statement including that entry : XX/XX/XXXX Bank of America emails a new ledger : XXXX T XXXX This ledger : Did not exist previously Changed balances and XXXX deposits Added new unauthorized transactions Removed prior documented transactions Introduced a new loss of {$17000.00} Bank of America altered records while under federal review.

Extended Deprivation & Regulatory Delay Violations I have been deprived of my national-emergency, federally-funded unemployment benefits for : XXXX days ( nearly five years ) I have : Submitted multiple fraud disputes Filed XXXX written inquiries Provided all evidence requested Made repeated escalation attempts Documented active hardship for seven months Bank of America has failed to complete a fraud determination within mandated timelines.

This constitutes unreasonable delay, obstruction, and Reg E enforcement violations. 

Representative XXXX contacted me only once and then failed to respond to : Three voicemail messages Emails sent XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX Multiple hardship requests Meanwhile, I remain without federally protected relief funds. 

FINAL RESTITUTION DUE ( as of XX/XX/XXXX ) Category Principal Statutory Prejudgment Interest ( AZ 10 % ) Total Unauthorized withdrawals + missing benefits {$2800.00} {$1400.00} {$4300.00} Ledger discrepancy loss from altered records {$17000.00} N/A {$17000.00} TOTAL DUE {$20000.00} {$1400.00} {$22000.00} Minimum Due Today : {$22000.00} Interest continues daily until full restitution is made. 

Hardship and punitive damages remain reserved for separate action. 

Required CFPB Enforcement Actions I request that CFPB require : 1 Immediate payment of {$22000.00} 2 Issuance of one certified corrected ledger replacing all conflicting versions 3 Continued open status on all fraud disputes during repayment 4 Zero retaliation or account consequences for asserting Reg E rights Bank of America created contradictory official records.

Bank of America must correct and repay.

Exhibits Included A Original HTML ledger B Original PDF ledger C Admin ledger created XX/XX/XXXX & emailed XX/XX/XXXX D Unauthorized transactions documentation E Missing XXXX benefits proof F Fraud restitution calculation CFPB MASTER RESOLUTION DEMAND Final I demand immediate restitution of {$22000.00}, increasing daily.

Restitution includes : Unauthorized removal of public benefit funds Unauthorized post-closure account access Ledger discrepancy loss Accrued statutory interest ( A.R.S. XXXX ) This matter has been outstanding for XXXX days and constitutes prolonged deprivation of Federally-funded emergency relief benefits.

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