Consumer complaint received 2026-01-23 00:00:00
Product: Prepaid card — Government benefit card
Issue: Unexpected or other fees — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: AZ

Complaint narrative:
Hi XXXX, I have many concerns and questions long overdue that need to be addressed. First off I initiated my dispute back in XXXX XX/XX/XXXX regarding my XXXX funds and was told by your fraud department that a investigation will be started and looked into my account, and for me to check back with them in a few days well those few days, turned out to be more then a few years to be exact I didn't hear back from bank of america until XX/XX/XXXX when they sent me my principal balance of {$22000.00} and a compensation check for {$5600.00} for harm and negligence and hardship in regards to BoA mishandling my pre paid XXXX unemployment funds from California, also was a letter attached with the checks stating I can request additional compensation from bank of america if I felt the compensation wasn't sufficient enough to cover all the harm, neglect, late fees, late rent, being forced to pay or quit my lease or face eviction, not to mention all the days I went hungry because I wasn't able to put food in my fridge and lastly my belongings, my family memorbilia lost in storage, and pretty much my life was stripped From living a normal life all due to bankofamerica freezeing my account and making my funds that had been awarded to me by California unemployment XXXX unavailable for the total duration of 5.3 years, from when initially I started my dispute claim regarding my XXXX account, and I want redress as in the interest that accrued & earnings that bank of america certainly benefited from as my special account was in there possesion for the 5.3 years from XX/XX/XXXX to XX/XX/XXXX and also I would like to say the {$5600.00} compensatiion check i received on XX/XX/XXXX doesnt cover 1/3 of the financial harm im still trying to dig my self out of all due to bankofamericas negligence, furthermore the pain and suffering they put me thru the humlity and emabarassment of becoming homeless, also i had to borrow from my parents just to even feed myself, as by California federal law states if a financial institution wrongfully withholding special accounts is exactly what unemployment funds are and shows misconduct without just cause, also while in possession of my special account with my funds bankofamerica, accrued interest, earnings, on my my special account funds the total earnings, interest that accrued while in sole possession is that to monies are owed to the beneficiary of this special account, and my main concern is when was bank of america going to let me know or pay me these monies that are legally mine the beneficary? As Of right now im not going to wait much longer to hear in regards to a resolution on bank of america redress for the interest on my principal balance of XXXX as california state law stipulates the max amount i can ask for if the bank is unwilling to compromise on what i calculate % 10 per year of the XXXX {$12000.00} not to mention the 1/3 rd of compensation i received from bank of america of {$5600.00} is only one third of the actuall financial debt 0f approxiately {$16000.00} dollars that i roughly calculated it could be more but ill settle for that part and what addditional compensation the bank of america thinks is fair regards to the total hardship and harm, and negligence the bank caused by them directly mishandling my edd unemployment benefits for this incredible amout of time of 5.3 years and its been found in california courts that bank of america is the culprit in the mishandling of many california not just mine in the state of california and currently is facing a huge class action lawsuit against this financial institution, and Lastly XXXX I have been thru enough of this torture and direct harm from the bank and i think its time for bank of america to own up to the injustice and to finally pay out whats the damages and al the interest and earnings that bank of america profited from for haveing my essential funds, at the heart of the pandemic let me add of {$22000.00} and certainly profited from my funds while in the possesion of this " special account ' cause thats what edd benefits are if you look up your edd and bank ofamerica policy, so those no question that bank of america needs to pay me these profits earned for the 5.3 duration they wrondfully neqlected me from attain access to my account, and hope fully i hear back from your resolution team here in a timely manner, ill wait the fifteen allowed time before, i choose other means, finally I hope we can come to an agreement. 


sincerely XXXX XXXX

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 monetary relief