Consumer complaint received 2026-03-18 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: BILL.COM, LLC
State: NJ

Complaint narrative:
This letter serves as a formal demand and notice of liability regarding an unauthorized ACH debit in the amount of {$22000.00} withdrawn from my XXXX XXXX XXXX account on or about XX/XX/year>. This transaction was not authorized under any circumstance, and I have no contractual relationship with any party that received or processed these funds. FACTUAL SUMMARY Unauthorized ACH debit : {$22000.00} Date : XX/XX/year> ACH Trace Number : XXXX Transaction ID : XXXX Traceable flow of funds : XXXX XXXX XXXX XXXX XXXX Bank Bill.com XXXX XXXX XXXX XXXX XXXX ) XXXX XXXX Bank Account associated with XXXX XXXX This transaction is fully traceable through the ACH system, and all involved institutions have the ability to identify the recipient and transaction origin. NOTICE OF DISPUTE AND LACK OF AUTHORIZATION I explicitly state the following : I did not authorize this ACH transaction I have no agreement or contract with Bill.com, XXXX XXXX, or any related entity I have not received any goods or services in connection with this payment No valid authorization has been produced Any assertion that this transaction was authorized is unsupported and must be substantiated with verifiable documentation. FAILURE TO ACT AND POTENTIAL LIABILITY Despite timely notification of fraud : XXXX XXXX XXXX has denied reimbursement without providing sufficient proof of authorization Bill.com has failed to respond to direct fraud inquiries and is withholding critical transaction information Bill.com has claimed the existence of a contract while refusing to produce any supporting documentation XXXX XXXX Bank is in possession of funds tied to this unauthorized transaction and has not confirmed effective recovery action Bill.com, as the payment processor, has actual knowledge of the recipient account and transaction details and is in a position to assist in recovery. Continued refusal to cooperate may constitute negligence and/or facilitation of fraudulent activity. All institutions are hereby placed on notice that failure to act in good faith to investigate and recover these funds may result in further legal action. FORMAL DEMANDS I hereby demand the following : 1. Immediate reimbursement of the full {$22000.00} 2. Full disclosure of : o ACH authorization records o origin of payment instructions o recipient account details 3. Production of any alleged contract or authorization used to justify denial of recovery 4. Immediate coordination between institutions to : o trace o freeze ( if applicable ) o recover remaining funds 5. Written confirmation of all investigative and recovery actions taken DEADLINE FOR RESPONSE You are required to provide a substantive written response within ten ( 10 ) calendar days of receipt of this letter. Failure to respond or resolve this matter will result in escalation, including but not limited to : Formal complaints to : o Consumer Financial Protection Bureau ( CFPB ) o U.S. Securities and Exchange Commission ( SEC ) o Federal Trade Commission ( FTC ) o FBI Internet Crime Complaint Center ( IC3 ) Engagement of legal counsel to pursue all available remedies In addition to the issues described below, I made multiple attempts to contact Bill.com regarding this fraudulent transaction, including emailing publicly listed support channels. These attempts included communication sent to XXXX, which was returned as undeliverable. I also submitted a fraud report on XX/XX/year>, and have received no response, acknowledgment, or follow-up from Bill.com. This lack of accessible communication channels and complete failure to respond to a reported financial fraud raises serious concerns regarding Bill.coms compliance with basic consumer protection and fraud response standards. As a payment processor with full visibility into the transaction and recipient account, Bill.coms refusal or failure to engage materially obstructs recovery efforts and contributes to ongoing harm.

Company response to consumer: Closed with explanation