Consumer complaint received 2025-03-26 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:
XXXX XXXX XXXX Bank of America Fair IRP Violations & Urgent Compensation Request To Whom It May Concern, I am filing a formal complaint against Bank of America for its negligent, unlawful, and discriminatory mishandling of my Fair IRP ( Injured Reimbursement Process ) claim. The banks failure to act in accordance with consumer protection laws has severely impacted my health, financial stability, and overall well-being. 

Serious Legal & Ethical Failures : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Bank of Americas gross negligence in processing my claim has placed me under extreme financial and emotional distress, further worsening my health condition. 

The unjust delays, lack of transparency, and refusal to compensate me properly violate multiple consumer protection and XXXX rights laws, including but not limited to : Americans with Disabilities Act ( ADA ) Failure to provide accessible, effective communication and proper accommodations. 

Fair Banking Laws Negligent processing of reimbursement claims, leading to financial harm. 

Unfair, Deceptive, or Abusive Acts and Practices ( UDAAP ) Violations Engaging in deceptive or misleading conduct regarding IRP procedures and my rightful compensation. 



The Harm Bank of America Has Caused Me : Due to their failures, I have suffered financial losses, loan defaults, and loss of personal belongings. 

The XXXX XXXX, and financial insecurity have directly worsened my health condition, putting my physical and mental well-being at risk. 

As a XXXX and legally deaf individual, I have faced severe communication barriers and discrimination, making it even harder to resolve this issue. 

The lack of accountability and refusal to act in good faith shows a blatant disregard for my rights as a customer and a XXXX person. 


Why Bank of America Must Compensate Me Immediately : I demand immediate and full compensation for the harm I have endured. This is not only a legal obligation but also in Bank of Americas best interest to avoid further legal scrutiny, public backlash, and potential regulatory penalties. 

Failure to comply could lead to CFPB enforcement action, ADA-related legal challenges, and reputational damage for the bank.

My case represents a pattern of negligence within Bank of Americas IRP process, and I urge regulators to investigate this systemic issue. 

I will pursue all available legal and regulatory options if my claim is not resolved promptly.

Resolution Demanded : 1. Immediate full reimbursement of all funds owed under the Fair IRP.

2. Compensation for the stress, health impact, and financial harm caused.

3. A full written explanation of the banks failure to comply with Fair IRP guidelines.

4. An official commitment to improving Bank of Americas IRP process to prevent further discrimination and harm to XXXX customers. 
Conclusion : Bank of Americas actions are unethical, unlawful, and in direct violation of my rights. The CFPB must take swift action to hold the bank accountable. I expect immediate compensation and a formal resolution to this complaint without further delay. 

Please confirm receipt of this complaint and advise on the next steps. If additional information is required, I am prepared to provide it. 

Sincerely, XXXX 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