Consumer complaint received 2026-03-06 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:
Subject : Bank of America XXXX XXXX XXXX XXXX FCRA Violations on Fraud Claim No Investigation, No Credit, No Notice Date : XX/XX/XXXX My Info : Account/Claims ending in " XXXX '' & " XXXX '' Claims filed : XX/XX/XXXX, in-branch ( XXXX claims : {$3600.00} + {$24000.00} ) Total unauthorized EFTs : ~ {$27000.00}, XXXX XXXX What Happened : I reported these as identity theft/frauddigital transfers on a prepaid card I never used. I was incarcerated until XX/XX/XXXX, so impossible I authorized. Filed in-branch XX/XX/XXXX, XXXXno red flags raised then. Bank of America : Never investigated transactions ( no logs, no tracing ). Never issued provisional credit ( past 10 business days ). Never sent written notice of decision ( just verbal " denied '' ). Used a XXXX " notice '' ( won't show it ) to denyviolates Reg E & FCRA. Admitted wrong address on file but refused to update ( " sponsor froze it '' EDD confirms no freeze ) after I was instructed multiple times to leave contact information with the bank so the investigation team can get ahold of me instead in told the very next day after I filed my claims which would be a Saturday that a decision was made on both my claims with no investigation at all but rather a notice from EDD that's dated for XXXX of XXXX. My claims were just filed in the appropriate way I was told by the dispute operator on the phone while physically present at a XXXX location local to me in XXXX XXXX. XXXX placed on hold for nothing less than XX/XX/XXXX min at a time while these so called supervisors are being transferred into the call XXXX is supposedly a manager that violates the procedural process that takes care of matters like this and has continued to give out fake or false information regarding my claims even after I've acknowledged the statements of hers that were made untruthfully she simply does not care or will attempt to try and save face during certain moments of our conversation I respectfully ask that her validity in regards to being a manager is double checked because she is not an individual meant for an authoritive role in my personal opinion, if anything i received no type of informal notice from this individual that was valid, have caught her dileberately misinforming myself on n multiple inquiries for this is an Individual whom stated had a management position, that then acknowledged to having an incorrect address only to then refuse to update my address due to my claims being frozen by my so called sponsor. Just so it's understood the only reason pertaining to intelligibility that I received throughout this entire ordeal was in the beginning after being released and working construction in a economy that was still associated with XXXX and was instructed by my XXXX foreman to file for XXXX due to work being out for the next couple months. Upon doing so I was told not that I did not meet requirements, not that I wasn't eligible, but that I had already been paid XXXX on a claim prior in XXXX it is now this very same claim that XXXX is solely responsible for because they issued close to XXXX to someone who never even turned in a picture of my ID. Now after I have had that account red flagged due to me doing so to receive a corrected XXXX9G from EDD that took me 5 years to get, they are now using that same red flagged label for a reason to not issue my provisional credits. Circled same 3 supervisors for daysno real answers, no docs. Violations : Reg E : No investigation of unauthorized EFTs. Reg E : No provisional credit after 10 days. Reg E : No written outcome notice. FCRA : No adverse action notice. FCRA : No disclosure of underlying report. California Civil Code 1798.93 : Negligent identity theft handling. What I Want : Full investigation & provisional credit. Copies of all notices/reports used. Reimbursement of {$28000.00} + damages. CFPB enforcementstop this pattern.

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