Consumer complaint received 2024-09-16 00:00:00
Product: Prepaid card — Government benefit card
Issue: Problem with a purchase or transfer — Charged for a purchase or transfer you did not make with the card
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: CA

Complaint narrative:
XXXX*To Whom It May Concern, ** **Re : Systemic Violations by Bank of America and the California Unemployment Department** I am writing to formally address the systemic violations and severe mishandling of my financial accounts and unemployment claims by both Bank of America and the California Unemployment Department XXXX Their actionsor lack thereofhave resulted in significant harm to my financial well-being and the stability of my household. 

# # # Violations by Bank of America As a customer of Bank of America, I have been subjected to their failure to protect my account from fraudulent activity and identity theft. Despite multiple attempts to resolve unauthorized transactions, the bank has failed to provide adequate security measures. Inconsistent and contradictory information from their representatives has prolonged the issue, leaving my finances vulnerable and me in a state of constant distress.

# # # Violations by the California Unemployment Department Furthermore, I have been mistreated by the California Unemployment Department, which suspended my unemployment benefits without cause, falsely accusing me of fraudulent activity. My account was flagged and my benefits withheld, despite being eligible. After a lengthy appeal process, my case was overturned in XX/XX/XXXX, yet I still have not received the benefits owed to me, including two Tier 2 extensions that were never opened. This administrative failure has placed me in extreme financial hardship and caused psychological stress for both me and my child. 

# # # Consequences The lack of accountability and responsiveness from both institutions has led to the following : - **Financial instability** : My benefits have not been paid since XXXX, and fraudulent activity has left my bank account in disarray. 
- **Emotional and psychological toll** : My child and I have suffered greatly due to the constant stress and instability caused by these issues. 
- **Violation of my rights as a consumer and claimant** : Both Bank of America and the Unemployment Department have violated state and federal regulations designed to protect individuals from such misconduct. 

# # # Request for Immediate Action I respectfully request that your office investigate the systemic issues at play and hold both Bank of America and the California Unemployment Department accountable for their negligence, lack of security, and mismanagement of my funds and benefits. It is crucial that they be required to : - Fully reimburse me for the losses incurred due to identity theft and unauthorized transactions. 
- Issue the backdated unemployment benefits I am rightfully owed, including the Tier 2 extensions. 
- Provide a formal resolution and acknowledgment of the severe financial and emotional harm they have caused. 

Thank you for your time and attention to this matter. I trust that your office will treat this situation with the urgency and seriousness it demands. Should you require any further documentation or details, I am more than willing to provide them.

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