Consumer complaint received 2025-11-14 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Problem with balance transfer
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: CA

Complaint narrative:
Subject : Request for Supervisory Review OCC Referral Attached I received an official referral letter from the Office of the Comptroller of the Currency ( OCC ), stating that my complaint falls under the primary responsibility of the Consumer Financial Protection Bureau. 

Please reopen my case for supervisory review under Regulation Z XXXX. 

This complaint relates to the following case numbers : CFPB Complaint Nos. : XXXX and XXXX Bank of America Claim No. : XXXX ( dated XX/XX/year> ) Bank of America Letters dated XX/XX/year> : XXXX All of these claim numbers refer to the unauthorized withdrawal of {$5400.00} from my checking and savings accounts. 

Bank of America has not provided any documentary evidence to support my authorization of this withdrawal. Their prior responses rely solely on internal notes and do not satisfy the documentation requirements under Regulation Z for resolving a billing error. 

I have uploaded the XXXX referral letter for your review. This federal referral confirms that this matter is within CFPBs jurisdiction and requires further review. 

Please confirm receipt of the XXXX referral and advise on next steps. 

TIMELINE OF EVENTS UNAUTHORIZED WITHDRAWAL OF {$5400.00} Complainant : XXXX XXXX CFPB Complaint Numbers : XXXX and XXXX Bank of America Claim Numbers : XXXX ( dated XX/XX/year> ) XXXX ( letters dated XX/XX/year> ) OCC Referral : XX/XX/year> ( XXXX confirmed this matter falls under CFPB jurisdiction ) XXXX. XX/XX/year> Unauthorized Withdrawal Bank of America withdrew {$5400.00} from my checking and savings accounts. 
I never authorized this withdrawal, and no transfer, check, ACH debit, or signed document exists showing my consent. 
This immediately caused bounced payments and caused financial harm. 



XXXX. XX/XX/year> Bank of America Opens First Claim BofA created Claim XXXX. 
No supporting documentation was provided to show authorization. 
BofAs internal notes did not address Regulation Z billing-error standards. 



XXXX. XX/XX/year> BofA Issues Two Denial Letters BofA sent two letters titled XXXX, again denying my claim. 
BofA relied solely on internal records and provided no proof of authorization. 
These denials contradict the requirements of Regulation Z XXXX, which requires evidence, not assumptions. 



XXXX. XXXXXXXX XXXX CFPB Complaint Filed I filed CFPB Complaints XXXX and XXXX because BofA failed to provide documentation. 
CFPB contacted Bank of America, but the bank repeated its unsupported statements. 
BofA provided XXXX documentary evidence showing that I authorized the {$5400.00} withdrawal. 



XXXX. XX/XX/year> OCC Referral I contacted the Office of the Comptroller of the Currency ( OCC ).

OCC reviewed the issue and formally responded that : This matter falls under the primary responsibility of the Consumer Financial Protection Bureau ( CFPB ).

OCC referred my complaint to the appropriate CFPB advisory agency in XXXX XXXX  XXXX, confirming federal jurisdiction. 



XXXX. XX/XX/year> Request for CFPB Supervisory Review I uploaded the OCC referral to CFPB, along with BofAs claim numbers and denial letters.

I requested a supervisory-level review due to : Missing documentation Improper denial Failure to comply with Regulation Z investigation requirements Summary BofA has not produced any evidence that I authorized the withdrawal of {$5400.00} on XX/XX/year>. 
Every denial so far is based only on internal notes, not proof. 
The XXXX referral confirms this issue is properly under CFPB jurisdiction and warrants further review. 

I respectfully request that CFPB reopen this matter for supervisory investigation and require Bank of America to provide documentary evidence or issue a full refund with interest as required under Regulation Z XXXX TIMELINE OF EVENTS UNAUTHORIZED WITHDRAWAL OF {$5400.00} Complainant : XXXX XXXX CFPB Complaint Numbers : XXXX and XXXX Bank of America Claim XXXX : XXXX ( dated XX/XX/year> ) XXXX ( letters dated XX/XX/year> ) OCC Referral : XX/XX/year> ( OCC confirmed this matter falls under CFPB jurisdiction ) XXXX. XX/XX/year> Unauthorized Withdrawal - Bank of America withdrew {$5400.00} from my checking and savings accounts. 
- I never authorized this withdrawal, and no transfer, check, ACH debit, or signed document exists showing my consent. 
- This immediately caused bounced payments and financial harm. 
XXXX. XX/XX/year> Bank of America XXXX XXXX XXXX XXXX BofA created Claim XXXX. 
- No supporting documentation was provided to show authorization. 
- BofAs internal notes did not address Regulation Z billing-error standards. 
XXXX. XX/XX/year> BofA Issues Two Denial Letters- BofA sent two letters titled XXXX, again denying my claim. 
- BofA relied solely on internal records and provided no proof of authorization. 
- These denials contradict the requirements of Regulation Z XXXX. 
XXXX. XXXX 2025 CFPB Complaint Filed- I filed CFPB Complaints XXXX and XXXX. 
- BofA repeated unsupported statements and provided XXXX documentary evidence. 
XXXX. XX/XX/year> OCC Referral - OCC confirmed the matter falls under CFPBs jurisdiction and referred it to CFPBs advisory agency. 
XXXX. XX/XX/year> Request for Supervisory Review

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