EDD Money Network Card funds stolen - BofA denied 3 of 4 fraud claims after identity theft

I went through something similar last year. You need to escalate this beyond the regular fraud department. Here's what worked for me: 1. File a complaint with the Consumer Financial Protection Bureau (CFPB) against Bank of America 2. Contact your state representative's office - they often have staff dedicated to helping with EDD issues 3. Submit a formal appeal letter to BofA's executive office (not just the regular fraud dept) 4. Document EVERYTHING - names, dates, reference numbers for every call The CFPB complaint was what finally got BofA to take my case seriously. They have to respond to federal complaints within 15 days. My funds were restored about 3 weeks after filing.

omg bofa is THE WORST with edd cards!! they denied my fraud claim 2x before approving it. keep fighting!!!!

Hate to be the bearer of bad news, but BofA has a 120-day time limit for reporting fraud on EDD cards. Since you're talking about cards from 2021 and didn't report until 2023, they're probably denying based on their terms of service. I had a similar issue and couldn't get anywhere because I waited too long (in my case only 7 months). The system is designed to make it nearly impossible to recover funds after their arbitrary cutoff.

I work as an advocate helping people with EDD issues, and unfortunately, your situation is becoming more common. Here's what you need to understand: BofA and EDD have a contract that makes BofA responsible for fraud claims, but they make the process incredibly difficult. The legal time limit for electronic fund transfer disputes is actually governed by Regulation E, which gives you 60 days from when you COULD HAVE REASONABLY DISCOVERED the unauthorized transactions - not from when they occurred. BofA tries to manipulate this by claiming you should have been checking statements regularly. Your next steps should be: 1. File the CFPB complaint as suggested 2. Contact your State's Department of Financial Protection and Innovation 3. Submit a formal appeal letter via certified mail citing Regulation E's discovery provision 4. If those fail, consider consulting with a consumer protection attorney Don't give up - I've seen numerous cases where persistence ultimately paid off.

have you tried gettin thru to bofa's edd specialist team? regular bofa customer service is useless for edd cards they dont even have access to the same systems

I had the EXACT same problem last year trying to reach Bank of America's EDD department for a fraud claim. Regular customer service kept transferring me around, and I could never get through to the right people. After weeks of frustration, I tried a service called Claimyr (claimyr.com) that got me connected to a BofA EDD specialist in about 20 minutes. They have a video showing how it works: https://youtu.be/JmuwXR7HA10?si=TSwYbu_GOwYzt9km It was worth it because I finally got to speak with someone who could actually see my EDD card account and help with the fraud department escalation. The specialist explained that the EDD-specific fraud team has different procedures than regular BofA fraud, which is why I kept getting the runaround.

WHY is everyone suggesting MORE phone calls?? DOCUMENT EVERYTHING IN WRITING! BofA will keep giving you the runaround on the phone because there's no record. Send everything by certified mail with return receipt. The EDD debit card terms actually require written notification for disputes. I learned this the hard way - spent months on calls that went nowhere, then sent ONE formal letter and suddenly they "found" my case and resolved it in 2 weeks.

One thing I forgot to mention earlier - be sure to specifically request the results of BofA's investigation into your claims. Under Regulation E, they're required to provide you with the specific reasons for denial and the evidence they used to make that determination. Many people don't know they can demand this information, and BofA certainly doesn't volunteer it. If their investigation was inadequate (which it sounds like it was), that's another point to raise in your CFPB complaint. When I finally got my investigation results, it was clear they hadn't even bothered to verify whether I had activated the card or not before denying my claim.

im confused why didnt u report the cards missing in 2021?? didnt u know u were getting edd payments then??