Consumer complaint received 2024-12-30 00:00:00
Product: Prepaid card — Government benefit card
Issue: Problem with a purchase or transfer — Charged for a purchase or transfer you did not make with the card
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: CA

Complaint narrative:
Sometime between XXXX and XXXX, { {$700.00} } was fraudulently withdrawn from my Bank of America EDD account at an ATM in a city I did not live in at a bank America atm and {$340.00} dollars on charges I did not make I promptly reported the unauthorized transaction to Bank of America and ask for a new card and requested an investigation, including ATM camera footage to verify the withdrawal. On XXXX, Bank of America closed my claim , stating that they believed the account had been subject to fraud or suspicious activity. The letter informed me that any temporary credit applied to my account would be debite and my account was suspended until I was verified by Bank of America manager at any location. However, I did not receive any temporary credit or reimbursement of fees at all my account was frozen right away after I reported the fraudulent incident to the bank. So my account was frozen without any explanation then I call Bank of America to see what going on why havent I received a new debit card since I was Successfully verified at a bank America location?! The fraud specialist refer me to a branch again for further verification again and said account will stay the same until I get fully verified but even after I went to bank to verify my identity I was left without access to any funds on my account.I had been in bank America several times to verify my identity to remove block and get a new card issued and still nothing.This freeze caused severe financial hardship, leading to the following impacts : I received a three-day eviction notice due to non-payment of rent lost my job because I couldnt afford gas for the commute, directly resulting from my inability to access my funds.. I had to go inside of the bank and verify my identity I did that and still nothing? Despite my repeated requests for assistance and detailed explanations of the severe consequences of the dispute denial, Bank of America only compensated me with a { {$250.00} } check which I got as a XXXX XXXX because they sent a check to my old address and it was returned to them they sent me an email saying a check was sent and not cashed for me to call the number and get it Re-issued so I was lucky enough to get it XXXX XXXX  because It was greatly needed and I couldnt wait 10-14days to receive it but I was in shock 2years later after Dispute had been denied every time and not even the correct amount of the claim?! The Specialist said there check which was supposed to be Reimbursement for error of fees that were charged to my account thats all a customer Specialist told me and could not give me any further explanation.which is inadequate given the financial and emotional distress I have experienced. I seek a compensatory refund of at least { {$700.00} } for the unauthorized withdrawal and transactions which the bank never reimbursed me for the total amount I reported Fraudulent on my account was {$1000.00} ( {$700.00} ) Unauthorized atm withdraw made and {$340.00} for Unauthorized transactions made on my account same day the withdrawal happened.I learned My dispute was still under review after 2years, once I called Bank of America and the account specialist told me it was for errors on fees I was charged for which didnt make sense then she said I had a claim was still under investigation? I thought my account was closed and frozen Because thats what they said 2yrs prior also I never received Provisional credit or anything?! I also was confused by the fact they had it in review so long? Then I get a denial of dispute letter and closed account notification in the mail a week after I called in about the check that was issued?! I was confused because I thought my account had been closed? Why did they issue funds to me 2yrs late after account closure? Additionally, I seek compensation for the financial hardship caused by the account freeze and the significant impact on my life, including the eviction notice and lost of wages from being fired for not coming to work.

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