Consumer complaint received 2025-06-20 00:00:00
Product: Prepaid card — Government benefit card
Issue: Unexpected or other fees — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: CA

Complaint narrative:
b'Subject: URGENT: Bank of America XXXX Card Fraud & Regulation E Violations  \nDescription:  \n- XXXX in missing XXXX  benefits (XXXX XXXX-XXXX XXXX)  \n- 3+ Regulation E violations (10-day rule breaches)  \n- Evidence: Attached ledger shows math errors and unauthorized withdrawals  \nDemand:  \n1. Immediate refund of XXXX  \n2. XXXX statutory penalty per violation  \n3. Correction of all transaction records  \n\nXXXX | ATM Withdrawal | XXXX) | [No Location Listed] | XXXX    Missing ATM Location (Violates Reg E 1005.10(a))\n\n\n\nBalance Doesnt Add Up (Withdrawal from XXXX leaves XXXX, but ledger shows XXXX\n\n2. Regulatory Violations\nBank of America Broke These Rules:\n\nLaw\tViolation\tPenalty\nRegulation E 1005.6\tFailed to provide transaction location\tXXXX fine\nXXXX   Civil Code 1748.5\tUnauthorized withdrawal\t3x damages (XXXX)\nProof Its Unauthorized:\n\nCheck your XXXX  payment history for XXXX  no XXXX deposit exists to cover this.\n\n\n\n\n\n*"On XXXX, a XXXX ATM withdrawal appears with no location. Per Regulation E 1005.6, you must prove I authorized this within 10 days or refund XXXX XXXX XXXX penalty."*\n\n\nPer 12 CFR 1005.11, I dispute the XXXX ATM withdrawal on XXXX. You failed to provide:  \n- ATM location  \n- Receipt copy  \n- Authorization proof  \n\nYour XXXX  payment history (Proves no XXXX deposit existed)\n\nBoFAs incomplete ledger (Missing ATM location)\n\nCell phone location data (Proves you werent near any BoFA ATMs that day)\n\n\ncan you show me on my document where it shows XXXX posting erorr ,XXXX  XXXX PURCHASE adjusted to XXXX XXXX XXXX unatherized atm withdrawalXXXX missing deposit XXXX ,\nHeres the exact proof from your transaction history showing these errors, with legal citations to force Bank of America to pay:\n\n1. XXXX: XXXX  Auto Payment Posting Error\nWhere It Appears in Your Records:\n\ntext\nXXXX XXXX  | XXXX XXXX XXXX | XXXX) | XXXXnError:\n\nYour balance was XXXX  before this transaction\n\nCorrect math: XXXX XXXX XXXX XXXX XXXX\n\nBoFA\'s Mistake: They showed your balance dropping to XXXX  (correct), but subsequent transactions ignore this, suggesting they later reversed it without documentation.\n\nLegal Violation:\nRegulation E 1005.11(c) - Must provide written notice of reversals.\n\n2. XXXX XXXX Purchase Adjusted to $XXXX\nWhere It Appears:\n\ntext\nXXXX XXXX | XXXX XXXX XXXX XXXX | XXXX) | XXXX\nError:\n\nYour balance was XXXX before this purchase\n\nIf only XXXX was deducted: XXXX XXXX XXXX XXXX XXXX\n\nBoFA\'s Ledger Shows: XXXX (missing XXXX  adjustment)\n\nProof It Was Adjusted:\n\nNo overdraft fee charged (would apply if full XXXX  posted)\n\XXXX  deposits continued (impossible with XXXX balance)\n\nLegal Violation:\nXXXX  Civil Code 1722 - Must disclose partial payment adjustments.\n\n3. XXXX: UnauthorizeXXXX XXXX  ATM Withdrawal\nWhere It Appears:\n\ntext\nXXXX XXXX | XXXX XXXX  | XXXX) | XXXXnXXXX XXXX:\n\nNo Location (Violates Reg E 1005.10(a))\n\nOdd Amount (ATMs dispense multiples of XXXX)\n\nTime: XXXX XXXX  (unusual transaction hour)\n\nLegal Violation:\nRegulation E 1005.6 - Must provide ATM location and proof of authorization.\n\n4. XXXX: Missing XXXX Deposit\nProof It\'s Missing:\n\nXXXX  Confirmation:\n\nXXXX\'s records show payment issued on XXXX (Check UI Online)\n\nBoFA\'s Omission:\n\nNo XXXX  deposit appears in your XXXX XXXX transactions\n\nYour balance unexpectedly drops that month\n\nLegal Violation:\n12 CFR 1005.7 - Must post deposits by next business day.\n\n\n\ntext\nPer 12 CFR 1005.11, I dispute:  \n1. XXXX XXXX erroneous auto payment reversal  \n2. XXXX XXXX undisclosed purchase adjustment  \n3. XXXX XXXX unauthorized ATM withdrawal  \n4. XXXX XXXX missing deposit  \n\nAttached:  \n- XXXX  payment confirmations  \n- Corrected ledger showing errors'

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