Consumer complaint received 2025-01-03 00:00:00
Product: Prepaid card — Government benefit card
Issue: Problem getting a card or closing an account — Trouble closing card
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: CA

Complaint narrative:
my ca Edd account was closed and numerous checks have been sent in response for the remaining balance, for claims finalized after closure, for extra compensation. all of these checks I have a problem with, as I can not cash them. there are currently 3 checks. the first one was for around XXXX dollars from bank off America, in order for me to cash the check my wife opened an account with bank ifamerica for the sole purpose of being able to cash the check as the amount is too high for the bank to cash without an account, even though they say in the letter sent with the check that I am able to cash it. under the guidance of a banker we open an account, we wait for an atm card to come sense mobile deposits were not accepted yet, we deposit in the atm and are given a date for check to clear 2 weeks later. the date come and we are told we have to wait longer. we get a letter in the mail saying saying they are closing her account and she can not retrieve money from it. we receive another letter saying we can pick up the money that is hers, but come to find out we can not after going to 3 bank branches. we are told a check would come in the mail with the balance. the check cleared, the funds were deposited but were not sent to us, and the money has disappeared and nobody knows where it is. the Bank of America branch says it will go back to where it came from, the Bank of America prepaid is where it came from and they say it is impossible as the check was endorsed by me, deposited, cleared, and deposited. the money has been distributed another is nothing they can do other then do a fraud claim, which I did. by the way this check came in XXXX of XXXX. sense I endorsed the check and it was cashed, a fraud claim will be denied but I can try is what I am told. it has been weeks sense I filed the claim maybe 3 months. when my wife calls Bank of America branch she is told the same thing, she needs to file a claim, butXXXX when she tried to she is not allowed to by that department. 
the second check I have not been able to cash for around XXXX dollars and will soon expire the 3rd check I had given to a family member, signed it over and they deposited into there account. they returned the check to him and now treat him as if he is doing sometime of fraud and are closing his account of 40 years or more because " of his protection ''. this check I had to have reissued to me and it has been but I still can not cash it. I was a victim of identity theft years ago in XXXX and ever sense then I can not get a bank account, XXXX will not cash checks for me, cash checking store will not cash checks for me and ii am in check systems as risky, that is what I am told. now Bank of America will not issue a direct deposit, they will not allow me to deposit in anytyoe of XXXX XXXX or other online payment service " which is what I use for my banking needs. these companies do not allow to cash checks because I do not have direct deposit. bank of America will not send me a pre paid card, a gift card, transfer to another person account, open an account, cash there own check. they won't do anything and om stuck with checks that I can not cash, with no options. the checks expire and I have exhausted all possible ways to cash a check and bank of america is not making it customer friendly, not convenient, not realistic, not easy, not right.

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