Consumer complaint received 2026-05-18 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:
Date : XX/XX/2026 RE : Formal Notice of Newly Acquired Evidence & Reconsideration Request CFPB Case Number ( s ) : XXXX XXXX Bank of America case XXXX XXXX Disputed Amount : {$8600.00} TO : Bank of America Office of the CEO / Executive Customer Relations XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX CC : Consumer Financial Protection Bureau ( CFPB ) To Whom It May Concern, I am writing to formally submit newly acquired, definitive evidence regarding my ongoing dispute of {$8600.00} in unauthorized and fraudulent transactions on my account. Despite my previous submissionswhich conclusively demonstrate that these transactions occurred without my knowledge, authorization, or consentBank of America has continually failed to conduct a reasonable, good-faith investigation as mandated by federal law under the Electronic Fund Transfer Act ( EFTA ) / Regulation E and the Fair Credit Billing Act ( FCBA ). I have previously provided robust documentation proving identity theft and establishing that I could not have physically or legally authorized these charges. This includes a formal Police Report and an official Federal Trade Commission ( FTC ) Identity Theft Affidavit. NEW EVIDENCE SUBMISSION : I have recently obtained critical, newly acquired information and official records that identify the perpetrator, establish their direct physical access, and prove a pattern of criminal identity theft. I am enclosing a link to the following documentation : Residential Lease Agreement : I have enclosed a copy of the lease agreement proving that the individual who perpetrated this fraud was my roommate. This establishes exactly how the perpetrator obtained proximity to my personal environment without my authorization. Recent Arrest Records ( Identity Theft ) : I have obtained official law enforcement records showing that this exact individual was arrested just recently, once again facing criminal charges specifically for identity theft. This establishes an ongoing, verified criminal pattern of behavior by the perpetrator. Prior Arrest Record & Device Possession : I have enclosed information regarding a prior arrest of this individual, during which law enforcement found the perpetrator in physical possession of one of my old electronic devices. This conclusively demonstrates how my digital footprint, account access points, or credentials were compromised and exploited without my consent. This new documentation establishes an undeniable, factual baseline that completely contradicts Bank of Americas assertion that these transactions were authorized or beneficial to me. The fraud was committed by a criminal element with proximity and a documented history of identity theft, which has now been verified by law enforcement. Please use this link below to access all documents XXXX XXXX XXXXXXXX DEMAND FOR IMMEDIATE ACTION : Pursuant to federal regulatory guidelines, Bank of America is required to review all newly submitted evidence in a dispute. I hereby demand that Bank of America : Reopen the investigation into the {$8600.00} in fraudulent activity immediately. Review the enclosed new evidenceincluding the lease, the prior and recent arrest records, and the device compromise informationalongside the previously submitted police reports and identity theft affidavits. Sincerely, XXXX XXXX XXXX XXXX XXXX XXXX XXXX please use this link to access all documents including new evidence XXXX XXXX XXXXXXXX

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