Consumer complaint received 2024-05-15 00:00:00
Product: Prepaid card — Government benefit card
Issue: Problem with a purchase or transfer — Charged for a purchase or transfer you did not make with the card
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: CA

Complaint narrative:
XXXX was filed here and to date no response has been given. BofA has had close to 4 years to investigate the fraud on my account. How much more time does the bank need? They are given two billing cycles and no more than 90 days to repair this mess and 4 years later here we are. While disputing these fraudulent charges I was never issued any type of provisional credit. My account was not closed nor was the card closed by the bank and a new card issued. This continued to pose huge problems as my number was being used both Internationally and here in the states. The fraud continued due to the lack of any security protection on the XXXX cards. This was a criminals heaven. I would wait on 6 hour hold times just to hear that the bank felt the charges were mine. Knowing they werent I began to become very proactive and with my due diligence began getting some of the money back. I knew something was off with the bank when they said to me that I could be going to a XXXX based dentist be on a XXXX XXXX shopping spree and be standing at an ATM in XXXX all within moments of one another. I gave them names of ATM owners I gave them names of store owners and they never filed any type of dispute charges on my behalf. How do I know this?? Three days ago I was on the phone with BofA claims and I was told that the XXXX XXXX shopping spree was still on my statement. When I found out that it was a gentleman who swiped the card numeorus times and was denied. The last time he swiped time XXXX or XXXX the bank approved the transaction. The manager said the moment your bank disputes the charge we would be happy to help you get your funds but the bank must initiate the claim. Now here is a bank who swears that the charges are mine and the people, places and things I have shown are not. Covid was in full swing there was no travel allowed. No crossing broders of other countries. But BofA said the charges are yours and that was that. Now I am owed XXXX and that is what I expect back. This has gone XXXX XXXX XXXX of absurd and to keep me waiting on top of the 4 I have waited is not right. If you had done your investigation when I called this would have been a closed deal. Why? Because you would have seen that the dentists, shopping sprees, wix, and all other items disputed are not mine. 

You have had more than ample time to do this right. The letters I received XX/XX/year> saying you're done with your investigation and the charges are still mine is false. 

Having my money stolen from me is wrong having a bank where the cards they issued had no security on them is negligent. Bank of America you need to be held accountable for this. You allowed my money to be stolen while you sit back and say " the charges are XXXX 's '' is false. 

How much time do you still need to try and make this fit into your narrative? You handled the XXXX accounts poorly you have been fined and the accounts taken away from your bank. If I need to hire an attorney to get my money back for me I will. I have now filled out complaints with the California Attorney General 's office, the Comp Controllers, the XXXX, the FTC and here on the CFPB. A police report was filled out years ago online during the closure due to COVID. I would like my money please send me a check for the 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