Consumer complaint received 2026-06-30 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: NY

Complaint narrative:
To be completely clear, XX/XX/XXXX, was the first day I ever discovered these funds existed, and that is the exact date I immediately began my fraud investigation.I am filing an urgent, formal complaint against Bank of America for its overtly hostile, bad-faith denial of my fraud dispute and an absolute, calculated abdication of its legal investigative duties under federal law. The bank opened official fraud claims # XXXX and # XXXX regarding a massive, continuous pattern of unauthorized account exploitation spanning from XXXX to XXXX, but has actively tried to evade liability for stolen child support funds intended for my dependent daughter ( Case # XXXX ). They are relying on a completely fabricated and legally bankrupt premise : claiming that an unverified telephone call from nearly a decade ago on XX/XX/XXXX, involving my Social Security number somehow validates this years-long breach. I unequivocally state for the record : I did not make that call, and the bank possesses zero biometric or forensic proof that I did. My personal contemporary records show conflicting operational datesincluding explicit tracking on XX/XX/XXXX, XXXX their internal timeline is entirely unreliable and unverified. A Social Security number is static, leaked personal datanot a biometric signature. Treating it as conclusive proof of identity to deny a fraud claim is a severe, actionable compliance violation. Anyone who compromised my data could have been on that phone. Furthermore, I have contacted XXXX XXXX XXXX ( XXXX ) and the XXXX XXXX customer service line numerous times trying to track these vital funds. My historical records explicitly track specific stolen amounts vanishing from this account, including over {$6000.00} in missing support around XX/XX/XXXX, multiple {$90.00} drains on XX/XX/XXXX, and a massive {$3000.00} theft in XX/XX/XXXX. Despite providing extensive documentation, Bank of America XXXX Account XXXX repeatedly closed my inquiries via email as recently as XX/XX/XXXX, under the bad-faith excuse of " insufficient information '' to force me into unrecorded phone calls and delay resolution. The banks timeline is a complete and farcical joke. A forensic review of the account statements reveals a blatant, localized pattern of daily financial exploitation that Bank of America willfully ignored. Stolen funds deposited via XXXX XXXX XXXX XXXX XXXX XXXX were immediately siphoned out through a rapid-fire barrage of high-frequency, local convenience transactionsincluding multiple daily debits at localized delis, liquor stores, and fast-food joints explicitly concentrated on XXXX XXXX XXXX XXXX, alongside massive luxury shopping sprees at XXXX XXXX XXXX ( including hundreds of dollars spent at XXXX XXXX, XXXX XXXX, and XXXX XXXX XXXX XXXX and large unauthorized ATM withdrawals totaling hundreds of dollars at a time. Bank of America completely failed to flag, investigate, or address these glaring, localized patterns of theft, choosing instead to hide behind blind assumptions and stalling tactics to illegally withhold stolen support funds.

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