Consumer complaint received 2026-01-07 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: CA

Complaint narrative:
This is now the third report Im submitting after hearing today that once again the bank has denied my claim. My claim wasnt reopened by XXXX XXXX who contacted me after the first report because there was new evidence in my disputes. It was opened per her suggestion because the fact the XXXX XXXX  Branch manager was told by me when I opened my account that I was a XXXX dependent adult and I had no support at the time I lost my house and I was scared about the amount of money being put into the account and could he please look out for me. He said of course. Within weeks all my money was gone and I lived the next XXXX years on a dirty mattress in a gang invested field in XXXX XXXX with my cat. Im still traumatized by everything that happened. I was beaten severs times and robbed. I was humiliated and taken advantage of almost every day. I had no clue how I even ended up there and was lost out there until last XXXX when XXXX XXXX  helped me. I found out later that Bank of America was legally responsible to file a report to Adult Protective Services if they saw any red flags or unusual behavior on my account letting them know that possible financial abuse on a dependent adult was occurring. If theyd done what they were supposed to do then someone from that agency would have come to see me. They would have seen me in absolute distress and seen people I didnt know coming in and out of my room and they would have immediately frozen my account and gotten me some help. But nobody came The red flags were so significant because thousands was being taken out on a daily basis I even went into the bank withdrawing large amounts of money and telling the bank crazy reasons for doing it I told the last XXXX representatives from the bank that I have a terminal illness and I didnt want to hire attorneys to go after the bank for millions because I didnt have time like that. XXXX asked me if she reopened my dispute and it was ruled in my favor would I be satisfied with that. I said yes but I dont want the stress from all this again. She assured me that wouldnt happen but instead its become a total nightmare. Why the claims department hasnt asked the bank executive why she reopened this to begin with is shocking because they still see it as an investigation. We are past that because its now about the bank liable for not only my financial losses on my accounts but what damages resulted after it happened. I cant tell you how much I went through as a result of the banks negligence with me Its immeasurable. So now Im having to hire attorneys to represent me because the bank isnt taking any responsibility for this Im surprised they didnt settle the disputes with me immediately knowing that was definitely in the banks best interest. Im going to let the board of directors know what happened to me and see what they say Im giving the bank until the end of the week to contact me and settle my dispute even though its only a fraction of my overall losses. If I dont hear from them I will get legal representation I am diagnosed with schizoaffective disorder and XXXX XXXX XXXX I needed help and would have loved adult protective services to come talk to me I was totally lost and clueless about what was happening and had just lost my caregiver. They would have saved me from suffering for the next XXXX years

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