Consumer complaint received 2025-11-06 00:00:00
Product: Prepaid card — Government benefit card
Issue: Unexpected or other fees — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: CA

Complaint narrative:
Bank of America claims to have paid out a claim related to unemployment benefits that were withheld from me from a fraud claim in XXXX. They state they paid the claims out in XX/XX/XXXX, but I have no record that Bank of America tried to contact me and say this and I have no record of my original claim. Bank of America states that somebody was calling in verifying my information and also going into the branches taking out cash withdrawals from the teller, but that they do not have any record of it or any video surveillance of who took out the money. The reason why I figured this out is because I was given an economic impact payment early this year XX/XX/XXXX. Bank of America states that somebody was calling in verifying my information and also going into the branches taking out cash withdrawals from the teller, but that they do not have any record of it or any video surveillance of who took out the money. The reason why I figured this out is because I was given an economic impact payment early this year XX/XX/XXXX. I thought the economic impact payment was payment for my original claim that I filed in XXXX. Through a little bit of investigation with XXXX XXXX, I found out that the economic impact payment was supposed to be in addition to the original claim that I had started in XXXX. When I finally got in contact with Bank of America and ask them about this, I had to to verify my identity. I went into a branch. I provided XXXX forms of ID and they let me know that they paid out my original claim and they put the money on a separate debit card, but I have no notice of any of this. No mail no documentation anything. They let me know that the money that they paid out was already gone and it was a whole bunch of payments spanning between XX/XX/XXXX to XX/XX/XXXX basically somebody spent the entire {$30000.00} and Bank of America is not trying to help me figure this out because they state that somebody called in it was able to verify my information. I just dont understand why if I dealt with a fraud claim with my unemployment benefits being stolen from me and used why then would Bank of America XXXX another card without contacting me ahead of time and letting me know so that I can be aware of whats happening because from my understanding I would not have known about any of this had I not received the economic impact payment. I found a claim through Bank of America when I went into the branch last week Thursday, which was XXXX XXXX they denied my claim the following Monday, which was XX/XX/XXXX. XXXX out of {$30000.00} in Bank of America. Cant even help me figure out who went into their branch and withdrew my funds with a card that was supposed to be for me. XXXX writing this review so that if anybody else reads it and can help me please reach out I dont know if I need to take legal action, but I know Bank of America has been sued for failure to handle XXXX payments correctly. If anybody can help me with this, please do not hesitate to reach out. My email is 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