Consumer complaint received 2026-04-15 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:
For approximately XXXX years now I have been going back-and-forth with Bank Of America XXXX XXXX XXXX XXXX Every time I submit my dispute/claim, they deny it. After continuously submitting these claims I finally got them to approve XXXX of the XXXX disputes I submitted.Once B of A found my dispute/claim in my favor, I kept submitting claims XXXX & XXXX Only to be continuously denied and asked for any supporting documentation to support my claim. I initially sent plenty of supporting documentation, Only to have it lost. In situations such as this- is the reason it should be handled in a timely manner. After I was informed upon calling that my claim was denied they asked if I wanted supporting documentation how they got their decision, The only thing they sent me was transaction history print out. The print out they provided support nothing and tells me nothing as to their denial or decision.Seems as if they have the same template of a letter for all three claims and when I asked for supporting documentation as to how they got their decision ; For all XXXX claims they only provide a transaction history print out.When I was receiving my XXXX unemployment benefit I verified identity and soon after I had to appeal the decision & my benefits stopped. I was under the impression I lost my appeal and lost my payments the same. I did not get any further payments. Later I found out the appeal was granted and somebody else collected my XXXX unemployment benefits. I submitted the disputes ( XXXX total ) to Bank of America prepaid card XXXX. The first claim was XXXX transactions totaling {$5000.00}. The date of the initial claim was to XX/XX/XXXX to XX/XX/XXXX. My second claim was for XXXX transactions totaling {$1800.00} from XX/XX/XXXX to XX/XX/XXXX. my third claim was for XXXX transactions totaling {$7500.00} from XX/XX/XXXX XXXX. It took a little over a year of getting my XXXX claims continuously denied. Approximately XXXX years later Bank of America found the second claim for {$1800.00} in my favor and paid me the amount owed. They are still denying me on the first claim and the last claim. When I filed these claims there were so many transactions that it had to be put into XXXX separate dispute with XXXX separate claim numbers. The dates Ran concurrent Accordingly from XX/XX/XXXX to XX/XX/XXXX. They have paid the middle claim but still keep denying me my first claim and my third claim. I do not understand why they are doing if I brought it to their attention several times. I have stacks of documentation denial letters. I have been re-submitting my claims for reconsideration for just XXXX years now, almost XXXX years. Whoever initially collected my XXXX benefits did not pay the taxes to the IRS. If I would have received any of the deposit I would have most definitely paid in the taxes I owed. Now I am left with an IRS penalty from tax year XXXX, in which I never received the benefits. I still owe the IRS for XXXX taxes along with a pretty large penalty. This is not the only hardship I have faced from this fraudulent activity XXXX Bank of Americas inability to righteously investigate my disputes and make an honest resolution in a timely manner. They can not even slightly be investigating my disputes, or they would see that I am rightfully owed for the first and the third claims. Yet, to date, my claims keep getting resubmitted for reconsideration, to still get denied. How approve the second claim by itself but deny the other XXXX that were included with the approved claim found in my favor. I am in desperate need of help resolving this matter, I am beyond exhausted from XXXX Bank of America now! Please help me. Thank you, 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