Consumer complaint received 2026-01-20 00:00:00
Product: Prepaid card — Government benefit card
Issue: Problem getting a card or closing an account — Trouble closing card
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: AZ

Complaint narrative:
On XX/XX/XXXX I filed a dispute with bankofamerica about my unemployment XXXX benefits and why wasn't I receiveing my XXXX unemployment funds that had been awarded to me, and all bankofamerica told me at the time there's a fraud investigation ongoing and I would have to wait until this i investigation was over with before they could give me any further information, and this went on from XX/XX/XXXX until XX/XX/XXXX i. Which bank of america claims was my impact period, which I disagree with because I didn't get my funds until XX/XX/XXXX so actually I was directly caused harm from bankofamerica wrongfully mishandling my prepaid visa unemployment funds, such as i was unable to pay my monthly rent for the residence were i resided at the time from XX/XX/XXXX until XXXX that's well over XXXX  months and was given late fees for non payment and also was served a pay or quit or face eviction in late XXXX of XXXX, so rather then have a eviction on my record i was forced to move, and i had to stoop to borrow monies from my parents to rent a truck and rent a storage, and also this time frame my utility bills were also late for 16 months as these funds from XXXX XXXXXXXX was my only source of income at the time, and these unemployment benefits were my only source of income and I explAined that too bank of america and all they did when I could actually get thru to speak to some one all they kept telling me my accounts frozen until further notice and they could release the account until the investigation is over, so everytime I called And let me add i spent very long agonizing frustrating hundreds of hours trying to get some resolve And answer s from bankofamerica and everytime they just sent me to this fraud department line where I spent XXXX years trying and pleading with them to unfreeze my y account, and all my efforts fell o. Death ears, and I suffered tremendously during this time, like I said I had to borrow money from my parents and after renting the truck and storage and he loans j borrowed from them from XX/XX/XXXX to XX/XX/XXXX i had written on a memo and ledger balance of {$4600.00} dollars I got of loans from my parents and I'm a grown man, do the humility I had to suffer just to survive and feed my self was tremendous and until this day I still owe my parents the majority of the {$4600.00}, I did pay them recently {$1500.00} so u still am trying to catch up on what I owe them and I still owe {$3100.00} to my mother. As my y father has passed recently, anyhow that's not to mention. When I was asked to pay or quit or risk eviction, I was forced to move out and my security deposit was never returned to me as I was owed XXXX months back rent & late fees plus utility bills were lAte and now my credit with so XXXX XXXX XXXX XXXX XXXX haven't been paid as of yet, that's one of the reasons I moved out to Arizona so I could start over and my gas and electric bills would be like new again, but as of right now I owe so XXXX XXXX {$450.00} and XXXX XXXX {$370.00} and Also once I was forced to move I had to rent a hotel for approx XXXX {$2200.00} there to stay in a hotel, subsequently I had to sell all my work tools I once had to pay for room board at these hotels, and lastly after the money ran out in XXXX of XXXX, I had to succumb to the live on the streets until late of XXXX do XXXX years without a home living in a park, being cold, some night going to bed hungry, and the overall dangers of living on the streets is frightening for someone that's never experienced this before and I'm still this day I have flash backs and dreams of the horrors that were directly brought on by bankofamerica negligence and mishandling of my pre paid visa unemployment benefits and they are wrong for what they put me thru, and this is negligence from a major financial institution and california laws stipulates if found that a consumer is caused direct harm from a financial institution and theres proof of negligence by the financial institution that by state law in California the consumer can asked for the XXXX of 10 % percent per year so the principal balance of XXXX 10 % if the balance XXXX {$2200.00} XXXX years from the time I initiated the dispute with bankofamerica till the time they actually finally paid me my principal if XXXX the total just for the interest of XXXX percent per year is {$12000.00} that's just for the interest, and this does not include the mAss amounts of Debt I incrued during this period for late fees, storage fees truck rental s, hotel stays and debt i owe my parents, and lastly i lost all my belongings i had in storage, my family memorbilia, furniture, clothes Nd personal belongings all was lost i n XXXX XXXX of XXXX, since i could no longer pay for ny storage and after XXXX days u went. Back to pay after I borrowed the money to pay for my szotage unit the manager, said to me sorry sir by stage law after XXXX weeks of non payment your storage and your belongings had been auctioned off, and that just brought me to my knees., all my family photos of me my family my late dad that just passed in XX/XX/XXXX everything was lost in that storage and this was all caused from Bankofamerica freezing my account and withholding my XXXX state funds that were awarded to me from XXXX XXXX, so i hold bankofamerica fully responsible, and yes u want punitive damages added as well as pain and suffering and the direct harm that bankofamericac caused me for freezing my account for an incredible length of time and not resolving these matters im a timely manner is complete injustice and i hope bankofamerica knows what pain and trials a d tribulations they put me thru and humility I had to go thru, and the embarrassment of becoming homeless for XXXX years is due to there negligence.

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