Consumer complaint received 2026-06-28 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Unauthorized transactions or other transaction problem — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: TX

Complaint narrative:
For XXXX XXXX transactions of {$600.00} each sent to a recipient in which I did not authorized. These transactions were not authorized and therefore fits the criteria of unauthorized transfers and use of my debit card which was linked to my XXXX XXXX. Today, I cant use XXXX XXXX for anything and the account is restricted in which a separate complaint will be filed. {$600.00} - XX/XX/XXXX sent to XXXX XXXX {$600.00} - XX/XX/XXXX sent to XXXX XXXX {$600.00} - XX/XX/XXXX sent XXXX XXXX {$600.00} - XX/XX/XXXX sent to XXXX XXXX I filed a claim regarding these unauthorized transfers to Bank of America on XX/XX/XXXX after discovering all of these transfers were done without any prior knowledge or authorization. BA claimed I had authorized these transactions or some someone authorized to use my debit card. This is FALSE and there are no additional authorized users of my bank account or anything as such. BA denial letter stated that the charges were authorized by me, made by someone with permission, or linked to " prior undisputed non-fraud transactions. '' This determination is factually incorrect. I did not make, authorize, or benefit from these transactions. I have never given permission to any third party to use my device, card, or XXXX XXXX account to transfer funds to this recipient. Furthermore, I have no history of prior interactions or transactions with this individual ; any past legitimate transactions on my account were entirely unrelated. These transfers constitute criminal theft. I have filed an official police report with the XXXX XXXX XXXX XXXX Police Report Case Number : XXXX, filed on XX/XX/year>. Yet, BA refused and continuously denies my claim. I will stipulate that BA continues to ignore regulations and applicable laws surround unauthorized transfers. Ignorant to the fact that there are these regulations and laws to abide by. Bank of America refuses to abide by all of these below. Electronic Fund Transfer Act ( EFTA ) & CFPB Regulation E ( 12 CFR 1005.6 ) : Under federal law, my liability for unauthorized electronic fund transfers is strictly limited because I reported the fraud immediately upon discovery. The regulation defines an " unauthorized electronic fund transfer '' as one initiated by a person without actual authority to initiate the transfer and from which the consumer receives no benefit. These XXXX XXXX transactions meet this definition exactly. Official CFPB Compliance Guidance on Regulation E : The Consumer Financial Protection Bureau ( CFPB ) explicitly states that a consumers negligencesuch as writing down a PIN or failing to secure a devicecannot be used by a financial institution to increase consumer liability or deny a claim. Furthermore, the bank can not use the pretext of " prior undisputed non-fraud transactions '' to summarily deny subsequent, clearly unauthorized activity. Regulation E Burden of Proof ( 12 CFR 1005.11 ) : The burden of proof rests entirely on Bank of America to establish that these specific transactions were authorized. A conclusory statement alleging authorization without providing clear, forensic, and biometric evidence showing that I personally executed these transactions does not satisfy the bank 's regulatory burden.

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