Consumer complaint received 2024-03-29 00:00:00
Product: Prepaid card — Government benefit card
Issue: Problem with a purchase or transfer — Card company isn't resolving a dispute about a purchase or transfer
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: CA

Complaint narrative:
i filed a claim with bank of america prepaid operations for XXXX  benefits that someone has collected in my name. these benefits were issued XX/XX/XXXX to XX/XX/XXXX during this time i was a full time employee with XXXX XXXXg also known as shell gas station.i was the XXXX XXXX during this time benefits were being collected from XXXX  which i was not aware of during this time. i became aware of this issue XX/XX/XXXX when i became unemployed and i then applied for unemployment, my claim for XXXX  was approved But i wouldnt be able to receive any benefits until i serve out what they call penalty weeks in a total of 85 weeks, for XXXX  benefits that were being collected in XXXX because i was employed during those years and it wasnt reported on the weeks that were being certified for payments. but i didnt report my employment because i was unaware someone filed for unemployment and was collecting money on my behalf..I have been dealing with Bank of America trying to retrieve these funds that were stolen from me and its been impossible to get these funds back. i have provided police reports to the bank i have went above and beyond to help resolving this issue i contacted the post master at the united states postal service because after finding out about this issue i was concerned there was a problem with my mail. come to find out someone was in fact getting my mail because they put in online request to have my mail forwarded from my home address to an address where they can receive any incoming mail temporarily. anytime there is a request to forward mail if it isnt a permanent request that is submitted the USPS doesnt notify you of the change for the address that the mail is being forwarded from. i have sent in supporting documents several times to the bank from USPS showing dates and years that this mail fraud was taking place to support my claim. police reports that also support my claims for the years these funds were being collected. i requested documents from bank as well to support their reason for denial of my claims they sent me one picture of an atm withdraw that they stated was made by me being the reason they denied my claims and the pic they sent me that they said was me was not even me. so i reopened that claim and sent in like they requested a copy of a valid drivers license. then my claim got denied again with their reason being that my claim was being denied because the card that those transactions were made on was mailed to the address that they had on file and was successfully activated with my credentials. How can they determine that when i never received a card at my address BECAUSE ALL MY MAIL WAS BEING FORWARDED TO A DIFFERENT MAILING ADDRESS. I ALSO ASKED FOR THEM TO SEND ME THEIR SUPPORTING DOCUMENTS ON THEIR FINDING FOR THAT DENIAL AND ALL THEY SEND ME WAS THAT REASON BUT NOTHING ELSE SHOWING THE CARDS WERE SUCCESSFULLY ACTIVATED WITH MY CREDENTIALS. I WAS ALSO TOLD MY SUPPORTING DOCUMENTS WERENT ATTACHED TO ALL MY CLAIMS LIKE REQUESTED AND I DID INCLUDE THE CLAIM NUMBERS ON ALL DOCS I SENT IN.. ANYTIME I FILE MY CLAIMS TO BE RE-CONSIDERED I SEND IN SUPPORTING DOCUMENTS LIKE THEY ASK JUST TO FIND OUT THEY GET MY CLAIM AND DENY IT THE VERY NEXT DAY AFTER ASKING TO REOPEN IT ITS DENIED BEFORE THEY EVEN RECEIVE MY SUPPORTING DOCUMENTS THROUGH FAX. I JUST FEEL THAT THIS IS SO UNFAIR THAT BANK OF AMERICA IS DENYING MY CLAIMS AND MAKING IT SO HARD FOR ME TO RECOVER THESE FUNDS BACK. BUT YET MADE IT SO EASY FOR THE PERSON THAT WAS GETTING MY MONEY. NOT ONLY ONE TIME BUT SEVERAL TIMES. THIS PERSON WOULD USE THE MONEY XXXX ISSUED BANK OF AMERICA THEN FILE A CLAIM AND GET THAT MONEY AGAIN AND THE BANK PAID THEM. AND BECAUSE OF THAT I NOW HAVE TO PAY FOR THEIR MISTAKE IN MORE THAN ONE WAY 1 ) BECAUSE THEY KEEP DENYING MY CLAIMS. 2 ) I HAD TO SERVE THESE PENALTY WEEKS WITH XXXX BECAUSE OF THE MONEY THEY ISSUED OUT TO BOFA. 3 ) I NOW OWE IRS MONEY FOR THOSE YEARS FOR NOT REPORTING ON TAXES MONEY THAT WAS COLLECTED FROM XXXX THOSE YEARS BECAUSE I HAD NO IDEA SOMEONE WAS COLLECTING THIS MONEY. NOT ONLY DID THEY COLLECT THIS MONEY BUT THEY HAVE BEEN USING MY NAME SOCIAL SECURITY NUMBER TO GET CREDIT CARDS IN MY NAME APPLY FOR LOANS AND IT HAS BEEN XXXX DEALING WITH ALL THIS STUFF. I AM RESPECTFULLY ASKING YOU TODAY TO PLEASE GO THROUGH MY SUPPORTING DOCUMENTS FOR MY CLAIMS FOR XXXX OF XXXX TO XXXX XX/XX/XXXX I HAVE SENT IN EVERYTHING I CAN TO HELP GET THIS RESOLVED AND I WILL CONTINUE TO HELP IN ANY WAY I CAN UNTIL THIS ISSUE IS RESOLVED BUT I AM GETTING WORRIED EVEN MORE SO NOW BECAUSE BANK OF AMERICA ISNT GOING TO BE DEALING WITH XXXX PAYMENTS AFTER XX/XX/XXXX AND I FEEL MY CLAIM ALONG WITH OTHERS WILL BE DENIED AND TOSSED ASIDE BECAUSE THEY ARE CLOSING ALL XXXX PREPAID ACCOUNTS. THANK YOU FOR YOUR TIME AND READING THIS LETTER I HOPE I PROVIDED YOU A GOOD UNDERSTANDING TO MY SITUATION AND I HOPE THIS CAN BE RESOLVED QUICKLY WITH THE INFORMATION AND DOCS THAT I HAVE PROVIDED BOFA.

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