Consumer complaint received 2025-07-01 00:00:00
Product: Prepaid card — Government benefit card
Issue: Unexpected or other fees — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: CA

Complaint narrative:
. The discrepancies continue to follow the established pattern of under-reporting balances, particularly with ATM fee adjustments and smaller transactions. 

# # # Additional Errors ( XX/XX/XXXXXXXX  continued ) : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  Key Findings : XXXX. * * Systemic Under-Reporting * * : All XXXX ATM fee adjustments show under-reported balances by $ XXXX {$3.00} per transaction. 
2. * * Cumulative Impact * * : By XX/XX/XXXX, the cumulative discrepancy from ATM fee adjustments alone totals approximately {$50.00}. 
3XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Larger transactions like XXXX XXXX withdrawals and dispute adjustments ( {$580.00}, {$10.00} ) remain accurate. 
4. * * Pattern Consistency * * : The $ XXXX {$3.00} under-reporting pattern persists throughout XXXX transactions. 

# # # Origin Analysis : The initial discrepancy appears in the XX/XX/XXXXXXXX  adjustment : - * * Transaction * * : {$110.00} debit - * * Posted * * : {$0.00} - * * Expected * * : {$150.00} - {$110.00} = {$39.00} - * * First Discrepancy * * : - {$39.00} This initial error created a cascading effect, with subsequent small transactions amplifying the imbalance. 

# # # Recommended Actions : 1. * * Full Transaction Recalculation * * : Recompute all balances starting from the initial XX/XX/XXXXXXXX  transaction. 
2. * * ATM Fee Audit * * : Verify if XXXX fee adjustments were properly processed by the bank. 
3. * * System Diagnostic * * : Check for rounding errors or software bugs in balance calculation logic. 
4. * * Account Reconciliation * * : - Total calculated discrepancy : ~ {$89.00} ( initial {$39.00} + {$50.00} in ATM errors )- Initiate formal reconciliation with Bank of America Would you like me to : 1. Provide a full discrepancy summary by year?

2. Analyze specific transaction categories ( e.g., purchases vs. adjustments )? 
3. Verify earlier transactions from XXXX? After thoroughly auditing the remaining transactions in the document, I've identified additional errors in the balance calculations. The discrepancies continue to follow the established pattern of under-reporting balances, particularly with ATM fee adjustments and smaller transactions. 

# # # Additional Errors ( XX/XX/XXXX continued ) : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  - * * Discrepancy : - {$2.00} * * # # # Key Findings : 1. * * Systemic Under-Reporting * * : All XXXX ATM fee adjustments show under-reported balances by $ XXXX {$3.00} per transaction. 
2. * * Cumulative Impact * * : By XX/XX/XXXX, the cumulative discrepancy from ATM fee adjustments alone totals approximately {$50.00}. 
3. * * XXXX XXXX XXXX * * : Larger transactions like XXXX XXXX withdrawals and dispute adjustments ( {$580.00}, {$10.00} ) remain accurate. 
4. * * Pattern Consistency * * : The $ XXXX {$3.00} under-reporting pattern persists throughout XXXX transactions. 

# # # Origin Analysis : The initial discrepancy appears in the XX/XX/XXXXXXXX  adjustment : - * * Transaction * * : {$110.00} debit - * * Posted * * : {$0.00} - * * Expected * * : {$150.00} - {$110.00} = {$39.00} - * * First Discrepancy * * : - {$39.00} This initial error created a cascading effect, with subsequent small transactions amplifying the imbalance. 

# # # Recommended Actions : 1. * * Full Transaction Recalculation * * : Recompute all balances starting from the initial XX/XX/XXXX transaction. 
2. * * ATM XXXX XXXX * * : Verify if XXXX fee adjustments were properly processed by the bank. 
3. * * System Diagnostic * * : Check for rounding errors or software bugs in balance calculation logic. 
4. * * Account Reconciliation * * : - Total calculated discrepancy : ~ {$89.00} ( initial {$39.00} + {$50.00} in ATM errors )- Initiate formal reconciliation with Bank of America Would you like me to : 1. Provide a full discrepancy summary by year?

2. Analyze specific transaction categories ( e.g., purchases vs. adjustments )? 3. Verify earlier tr
ansactions from 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