Consumer complaint received 2024-06-11 00:00:00
Product: Prepaid card — Government benefit card
Issue: Unexpected or other fees — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: CA

Complaint narrative:
THIS IS NOT A DUPLICATE QUIT CANCELLING THE COMPLAINT AS A DUPLICATE I sent to you in XXXX of XXXX a police report with the list of transactions for you to dispute. I followed up with a call and know that my list and paperwork arrived and you were going over it. Included with the police report and the list of transactions was also the companies I had talked with to ask that they do their own investigation. The peoples names and numbers and their email reply stating that they too felt that the transaction was fraud. I knew they weren't mine, the people and or places knew they were fraud and all you had to do is reach out to these places begin a dispute and my money would have come back. You never did this. WHY? I also gave you the names of the ATM which were privately owned and used to get money out of my account. Photos were available as well as a video of the transaction at XXXX XXXX. They were available for 90 days You knew this as I shared the info and yet when I called to ask if you had obtained these XXXX things you lied and said that " not every ATM or transactions has photos mine there were none available '' I am the one who told you they were available. 

The next time I heard from anyone at Bank of America was XX/XX/XXXX. There are time limits you needed to follow. You failed at that and you failed at the investigation. 

I have since asked you to send me all transactions under each of the claims numbers you provided. I have asked via XXXX and fax over XXXX times and to date I have not received those items. I want to also have a the paperwork you used to make up your mind that these were my transactions or someone I knew. If you are talking about the XXXX page list you sent to me why would you send that??? Those were 90 % mine. Totally legit transactions BY ME ... XXXX of them were not. This was NOT the list I sent to you XXXX of XXXX. Those WERE NOT the transactions I was disputing? Had you followed the list sent with MY Police Report you would have been disputing the correct transactions. Why was that not done? 

You never provided any provisional credit and I would LIKE TO KNOW WHY? YOU never sent me anything in writing confirming the items I sent to you in XX/XX/XXXX. I know they arrived because I spoke to many people there ( I have a list of people ) I had a dedicated person who was supposed to stick with me until this was done and now the new person is XXXX XXXX XXXX  XXXX. And he has failed to reply. 

You have had over the 120 days XXXX gives to you to dispute there is no time left. You have taken from XXXX of XXXX thru XX/XX/XXXX to send me anything i think you have had long enough to figure this out and I could use my money. 

I know you have screwed up just by adding them claims amounts together. I have never said over XXXX was taken from my account NEVER NOT ONCE as that been an amount that I even disputed so where did you get this number?? I don't think you really know what I am owed do you? I can tell you on the XXXX pages you sent I am owed {$5400.00} Of course I will have a better idea if it's more after you send me what I have requested I would like to know when I will be getting a check? You make this situation out to be my fault when you ISSUED DEBIT CARDS WITH NO SECURITY allowing criminals to jump for joy at the mistake you have made. 

Here are the claims # once again. 

Claim # XXXX {$6500.00} Claim # XXXX {$2500.00} Claim # XXXX {$1700.00} YOU HAVE HAD OVER THE 120 DAYS

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