Consumer complaint received 2024-05-30 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: MI

Complaint narrative:
It has been a few incidents where fraudulent activity has been going on with my account for Bank of America in XXXX is when everything started I found a claim due to fraudulent activity. I reported everything to my bank institution. They looked into it and immediately denied the claim I had them reopen, the claim only for them to give me back, maybe XXXX or less from a {$500.00} charge Then on XX/XX/XXXX, I filed another claim because I have not yet gotten a debit card after the first claim I have been literally waiting for them to send me a new card. I even reached out for them to expedite me a new debit card and the card never came. Everyone at the bank can vouch for me because I go to the bank every two weeks to do withdrawals and they see that I only use a ID when I am depositing or doing a withdraw because I do not have a card. I have reached out to Bank of America multiple times to re-issue a new card The card they claim the expedited did not come within 2 to 3 business days which I still never got so they told me they were gon na cancel that one and sent out another one and that was going to be 7 to 10 business days. Well after 7 to 10 business days I still did not receive that card so I reached out to them about issuing me another card And I still never received the card. I discovered soon after I filed a claim and reached out to the bank about the unauthorized charges, letting them know that there was a homeless man living in my garage and I saw a lot of mail with my name on it open and ripped up so, I just reached out to the police filed a police report and I let the bank know they never applied a credit on my account help me so I wont go through financial hardship which I am. My house is in foreclosure because Im not able to pay my mortgage due to this situation because my money is gone and the bank wont replace it, I found the police support. I told him I had proof I have videos pictures of the man being in my garage. We also file complaints against the Mail carrier because everyone over here keeps getting everybodys mail. Theyre not sending the right mail to the right addresses, not all the time so I cant honestly say if it was the squatting in my garage or one of my fellow neighbors, my use them. I am not certain at this point can be either possibility I did let my bank institution know exactly what was going on and I told them I had proof and they still were not believe me. They treated me like Im a criminal and Im just reporting something fraudulent going on with my money and my account, they deny the claim twice already I think this is the third time I had them to reopen the claim and now Im reaching out to you guys because I need help desperately I honestly have less than 10 days to come up with the money or Im will be getting Kicked out of my home and my home will be going up for foreclosure all the proof and evidence you can need and they still denied me and now Im afraid that they will close my account due to no funds or due to me filing this claim I feel like they might discriminate against me and close the account Mother and Im just trying to get by XXXX of my children have XXXX. Im not no scammer. I just want what belongs to me. None of the charges that were made since XXXX I have not made because I never had a card besides my mortgage, lender and bills that automatically draft out of my account, I have not made those other charges, and I stress this with my bank institution and they will not help me whatsoever, I really need help. Im begging and Im desperate. my debit card was not the only thing that was stolen. Also a EBT card and I do have police reports that I will be posting of everything.

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 monetary relief