Consumer complaint received 2024-11-15 00:00:00
Product: Prepaid card — Government benefit card
Issue: Problem with a purchase or transfer — Card company isn't resolving a dispute about a purchase or transfer
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: CA

Complaint narrative:
XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Bank of America EDD Prepaid Debit Card Cardholder Services XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX XXXX Account Number : XXXX XXXX XXXX XXXX, Claim Number : XXXX To Whom It May Concern : It is to be acknowledge that Bank of America Prepaid has an impeccable Customer Protection Department for the California Employment Development Department Debit Card protecting their Clients from fraudulent activity but on the contrary, has the worst investigative team for its Fraud Department bearing one of the most incompetent and inexperienced representatives that could ever be assigned to it. 

This Claim has been reopened several times and not properly worked upon or even investigated with the Employment Development Department as it should have been originally. My Identity has already been confirmed and this confirmation has been sent to Bank of America. I understand that this bank has faced internal issues such as a recent security breach of about XXXX Clients being affected by this incident alone during the Pandemic and another issue related to XXXX just this year in XX/XX/XXXX so I can understand how mistakes can be made but I will no longer tolerate this ridiculousness or laziness any further. 

I have attached all supporting documentation issued from the Employment Development Department of the Great State of California and from the California Unemployment Insurance Appeals Board Decision dated XX/XX/XXXX from Administrative Law Judge XXXX XXXX to indicated otherwise and that I was eligible for those Pandemic Unemployment Assistance Benefits and now instruct Bank of America to actually process my Claim and expect those funds to be credited onto my Bank of America EDD Prepaid Debit Card immediately. 

If you have any questions or further instructions of what needs to be done, you can reach out to me via email at XXXX. 



Thank You, XXXX XXXX XX/XX/XXXX Bank of America Prepaid Card Services started issuing Compensation Checks for individuals who were affected of financial harm when they did not have access to the funds in their prepaid debit card for a period of time. I know of this program as a family member was affected by this and received a compensation check and information on how he could request for additional compensation by completing his request online using his assigned Request Individualized Review Process ( IRP ) Number. He knew of my situation and brought this information to me. 
I have gone through the XXXX XXXX Bank of America IRP to file my claim as I am entitled to one of these Compensation Checks as I have been locked out of my Bank of America Prepaid Debit Card from XX/XX/XXXX to present day. Unfortunately, without the Request IRP Number, I have been directed to Bank of America Prepaid Card Services and were completely useless just like the claim that I have subsequently filed during that same time period for {$2000.00} for fraudulent transactions was denied 13 times finally approved in XX/XX/XXXX. It took this ridiculous bank close to three and half years to find the proper resolution. 
Over dozen calls were made to both the Administrator of the compensation check program and to Bank of America Prepaid Card Services to obtain this Request IRP Number and was denied saying that this number is produced and generated through the Office of the Comptroller of the Currency and the Consumer Financial Protection Bureau. I called both government agencies and was informed that they knew nothing about this compensation check program. The Office of the Comptroller of the Currency directed to file a complaint on HelpWithMyBank.gov and hope that I can finally received the much needed assistance with this incorrigible Bank of America that was been grossly negligent in handling my claim with all of the tremendously amount of verification provided and the handling of this compensation check program that is expiring which I have repeatedly indicated to all parties which is dated XX/XX/XXXX according to my family members documentation. 
Please help as I dont want to experience several more years of disappointment as I have already. 

Thank You, XXXX XXXX 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