Consumer complaint received 2025-07-14 00:00:00
Product: Prepaid card — Government benefit card
Issue: Trouble using the card — Trouble getting information about the card
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: NC

Complaint narrative:
Bank of America XXXX XXXX Department RE : Request for Full Compensation for Financial Harm and DamagesAccount Freeze During Pandemic To Whom It May Concern : I am writing to formally request immediate and full compensation for the substantial financial harm and damages I have suffered as a direct result of Bank of Americas actions during the XXXX pandemic, specifically the freezing of my account and denial of access to my unemployment benefits. Between XX/XX/XXXX and XX/XX/XXXX my prepaid Bank of America debit account was unjustly frozen, preventing me from accessing critical unemployment funds that were my only means of support after the pandemic forced me, like millions of others, out of work. Despite my repeated attempts to resolve the issueincluding XXXX complaints to the Consumer Financial Protection Bureau ( CFPB ) and XXXX to the Office of the Comptroller of the Currency ( OCC ) Bank of America failed to provide any meaningful resolution, causing irreparable harm to my family and me. During this period, I was a single mother to my XXXX son and the XXXX XXXX for my mother, who was battling XXXX and sadly passed away on XX/XX/XXXX. The inability to access my own funds led to the following severe consequences : -Foreclosure and Eviction : I lost my home and was subsequently evicted.-Loss of Transportation : My vehicle, which belonged to my late mother, was repossessed.- * * Unpaid Debts : * * I was unable to pay credit card bills, a business loan, utility bills, lot rent, and housing rent.- * * Food Insecurity and Humiliation : * * I was publicly embarrassed and forced to leave a XXXX XXXX XXXX XXXX for my family.- * * Ongoing Financial Instability : * * I continue to struggle to find stable housing and rebuild my life. I have meticulously documented all financial losses, including but not limited to : foreclosure and eviction costs, moving expenses ( with receipts ), alternative shelter costs, repossession of my vehicle, late fees, penalties, and lost income opportunities. The total financial harm and damages I have suffered over the past XXXX years amount to {$330000.00}. I respectfully request that Bank of America issue a single check for the full amount of {$330000.00} to compensate for the financial harm, emotional distress, and damages caused by your institutions neglect and abusive practices. This compensation is necessary for me to attempt to salvage what remains of my life, provide for my child, and begin to rebuild after years of hardship directly caused by your actions. Please provide a written response within XXXX days of receipt of this letter. If I do not receive a satisfactory resolution, I will be compelled to pursue further legal action and continue to escalate my complaints with regulatory agencies. Thank you for your prompt attention to this urgent matter. Thank you 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 explanation