Credit card or prepaid card -- Problem with a purchase or transfer -- Complaint #5038712
Complaint Overview
Complaint ID: 5038712
Company: Bank Of America, National Association
Product: Credit card or prepaid card
Sub-Product: Government benefit card
Issue: Problem with a purchase or transfer
Sub-Issue: Charged for a purchase or transfer you did not make with the card
State: California
ZIP Code: 90011
Date Received: 2021-12-23T12:00:00-05:00
Date Sent to Company: 2021-12-23T12:00:00-05:00
Company Response: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Submitted Via: Web
Consumer Narrative
I was diagnosed with XXXX XXXX in XX/XX/XXXX. After removing the XXXX, and months of determining what the best course of action was for my health, I decided to undergo XXXX. I started my treatment in early XX/XX/XXXX until XXXX ( XXXX I believe ) XXXX. I filed for state XXXX insurance. According to the CA XXXX website, via my account, I was informed I would receive my first payment {$2200.00} on early XXXX XXXX and second payment of {$1400.00} mid XX/XX/XXXX. I waited but never received my debit card in the mail. It was until around the first few days of XXXX that I saw a news segment on TV where people reported their unemployment and XXXX money had been stolen via fraud. Immediately I that is when I decided to look further and based on my research I was led to call Bank of America. It was at this moment that a bank rep informed me that was issued a card and that there were transactions posted. I denied all transactions and made a claim that I never received the card. Then I had to go back and forth with CA state XXXX department and Bank of America to determine who I needed to work with to get my money back. No one gave me an answer until it was determined that I needed to work with Bank of America. Fast forward until today, XXXX year later XX/XX/XXXX, I have not used a single penny of those funds and have been getting my claim denied by Bank of America. I have called plenty of times requesting funds to be issued due to personal hardships. I have filed a police report and sent it to them. I have send them documents proving my identification. A social security document and pay stubs to prove my identity. But to no avail. Their findings to dismiss my claim seem absurd. They state that the transactions and atm withdrawals are geographically near me. I've been fighting back requesting the footage and evidence of them determine that I made this transactions. They keep telling me that they are sending in a request but I have not received any of this. I do not know what else to do. Please I hope you are able to help resolve this issue. Much appreciated.
Frequently Asked Questions
What is Complaint #5038712 about?
Complaint #5038712 was filed against Bank Of America, National Association regarding Credit card or prepaid card specifically about Problem with a purchase or transfer. It was received by the CFPB on 2021-12-23T12:00:00-05:00.
How did Bank Of America, National Association respond to this complaint?
The company responded with: "Closed with explanation". The response was timely.
What is the risk level of this complaint?
See the risk assessment section for details on this complaint's risk profile.
How do I file a similar complaint?
You can file a complaint with the CFPB at consumerfinance.gov/complaint. Select the appropriate product category (Credit card or prepaid card) and describe your issue in detail.
Can I see other complaints against Bank Of America, National Association?
Yes, visit the Bank Of America, National Association company profile at readthecomplaint.com/company/bank-of-america-national-association to see all complaints, risk scores, and analysis.
Disclaimer
This analysis is AI-generated based on publicly available CFPB complaint data. It does not constitute financial or legal advice.