Consumer complaint received 2025-01-06 00:00:00
Product: Prepaid card — Government benefit card
Issue: Unexpected or other fees — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: CA

Complaint narrative:
XXXX XXXX a former tenant of XXXX XXXX XXXX XXXX XXXX XXXX XXXX California XXXX and victim of fraud and theft consistently equest for Restitution Severe Hardship Due to Frozen Account Dear XXXX Team, or boa prepaid card services you made it incredibly difficult to attend myself never accepting mine now phone number or email address so every time I need to submit something or find out anything regarding my account or the disputes you make me go into a branch I'm still not fully in good health and The distressive things are really taking a toll on me I am writing to formally request restitution for the profound and life-altering hardships I endured due to the freezing of my unemployment benefits account during the critical period of XX/XX/XXXX to XX/XX/XXXX. The freezing of my funds caused devastating consequences for my health, my housing stability, and my overall ability to survive during XXXX of the most challenging times in my life. 

During this time, I was XXXX XXXXXXXX and required access to my funds to purchase life-saving medications and cover XXXX XXXX. The inability to access my unemployment benefits left me in a dire position where I was forced to forego or delay critical medical care. This jeopardized my health and exacerbated an already overwhelming physical and emotional struggle. 

Furthermore, the freeze directly led to my eviction. My rent of {$2400.00} per month became impossible to pay, and my family and I were forced to vacate our long-term homea property we had lived in for 12 years and were working toward owning. This devastating loss shattered my familys sense of stability and security. 

Adding to the financial burden, my inability to access unemployment funds meant I could not afford basic necessities, let alone provide for my family. My daughters were unable to continue their online college courses due to financial constraints, and I was forced to drop out of XXXX XXXX. The ripple effects of this financial instability continue to this day, as I remain in debt to my family members who helped me during this time. 

Despite my repeated efforts to resolve this issue, including calls to the unemployment office, emails, and correspondence with my congressional representative, the situation remained unresolved for years. Bank of Americas lack of communication and accountability further compounded my distress. I only discovered my account was unfrozen in XX/XX/XXXX when I received a {$250.00} checkan amount that pales in comparison to the financial and emotional devastation I endured. 

The harm caused by this situation is immeasurable. I respectfully request restitution for : 1. Unpaid Benefits : Compensation for the unemployment funds I was entitled to but could not access.

2. Medical Expenses : Reimbursement for delayed or forgone treatments due to lack of funds.

3. Housing Loss : Compensation for the eviction and financial losses tied to my rent-to-own agreement.

4. Emotional Distress : Restitution for the severe emotional and psychological toll this situation caused, including my admission to a behavioral health center. 



The hardships I faced were not only financial but deeply personal, affecting every aspect of my life and my familys well-being. I trust that you will take my request seriously and consider the extensive documentation I can provide, including correspondence with the unemployment office, records of medical treatments, and other supporting evidence. 

I urge you to resolve this matter promptly and equitably, as it represents not just a financial issue but a moral obligation to right the wrongs that were done. Please let me know if further documentation or clarification is required. 

Thank you for your time and attention to this matter. I look forward to your prompt response. 

Sincerely, 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