Consumer complaint received 2024-12-18 00:00:00
Product: Prepaid card — Government benefit card
Issue: Unexpected or other fees — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: NV

Complaint narrative:
On XX/XX/XXXX, CFPB and Office of the Comptroller of the Currency ordered Bank of America to compensate consumers for not having access to their government benefits on their prepaid debit cards. Bank of America initially sent me about {$700.00} and told me to provide them evidence of financial harm that exceeds that to be compensated in accordance with the consent orders from CFPB and OCC. 

Through thier online Individualized Review Process portal, I provided Bank of America with evidence of eviction processes, late fees, increased rent due to being late on rent, cost associated with the eviction process, including moving costs. I also provided credit card statements showing that during the timeframe, I was charged interest fees by my credit card company because I wasn't able to pay my full balance as I usually did. 

The timeframe for showing financial harm was XXXX XXXX XXXX I provided credit card statements that show my XXXX - XX/XX/XXXX credit card statement YTD interest accummulation. That whole year, I only was charged interest for the months of XXXX, XXXX, XXXX, and XXXX, as the YTD shows. Under what qualifies, for the Financial harm, interest and late payments were eligible. 

As far as my eviction evidence, I provided the ledger from the property managment company showing every late fee and eviction processing fee from XX/XX/XXXX through XX/XX/XXXX, and I highlighted every item. I also provided a Notice to Pay Rent or Quit dated XX/XX/XXXX. I provided XXXX XXXX from the XXXX XXXX XXXX XXXX website showing case numbers for eviction cases dated during the eligible time period. I contacted the customer service number provided by Bank of America 's IFP website and explained to the customer service rep that the Seven-Day Notice to Pay Rent or Quit served on me XX/XX/XXXX, I was able to stall that eviction until XX/XX/XXXX, when I was finally forced to leave the premises or have an actual eviction on my record. I also explained that I had accidentally uploaded the eviction information twice in the financial interest section and eviction section because it was confusing, but I wasn't requesting double payment. 
I provided the XXXX receipts to show that I moved all of my possessions into three XXXX storage units using a XXXX  truck. If I had not been charged those late fees and rental increases caused by not having access to my benefits on my prepaid card, I would have been able to pay my rent timely and not been charged over {$7000.00}. That {$7000.00} owed to XXXX XXXX is currently being reported on my credit report and blemishing my credit worthiness due to Bank of America. 

I also provided them a screenshot of the delinquent XXXX XXXX account on my credit report. 

I have provided everything that was necessary to show my damages, and also request pain and suffering and emotional distress, yet after reviewing all of my documentation, Bank of America continues to say, " We need information from you to complate our review of your request for additional compensation. Based on our review, we found that the documents you provided do not show financial harm as a direct result of your Bank of America prepaid debit card account funds being unavailable to you during the time periods below. '' Those time periods are XXXX XXXXXXXX XXXX. I provided more than enough valid evidence for that time period, but they're still not honoring the evidence and paying. 

Bank of America delaying my access to my funds on my prepaid card the promixate cause of the damages I have sustained and provided evidence for, including the delayed moving costs, emotion distress and pain and suffering.

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