Consumer complaint received 2025-11-07 00:00:00
Product: Money transfer, virtual currency, or money service — Virtual currency
Issue: Fraud or scam — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: FL

Complaint narrative:
I am filing this complaint against XXXX XXXX. XXXX ( XXXX XXXX and affiliated entities ) and Bank of America , N.A . for a series of unauthorized transactions made without my consent between XX/XX/year> and XX/XX/year>, totaling several XXXX dollars. Despite repeated attempts to resolve the issue directly with XXXX, XXXX, and Bank of America, I have not received a full refund or a satisfactory explanation. 

These transactions relate to XXXX XXXX and gifting features processed through in-app purchases and Apple / Bank of America XXXX XXXX to my business account ( XXXXXXXX XXXX XXXX XXXX Account No. ending in XXXX ). and Personal. 

XXXX. Details of Unauthorized Activity Multiple unauthorized XXXX charges appeared in Bank of America statements beginning XX/XX/year>. 

The charges correspond to XXXX coin and gift purchases that I did not authorize. 

I have submitted numerous support tickets to XXXX since XX/XX/year>, yet they have not responded or refunded. 

These transactions violate XXXX consumer protection and banking laws, as they were processed by a foreign entity ( XXXX XXXX. XXXX, XXXX ) without complying with XXXX authorization and refund standards under the Electronic Fund Transfer Act ( EFTA ) and Regulation E ( 12 CFR Part 1005 ). 

XXXX. Entities Involved XXXX XXXX XXXX. 
XXXX XXXX XXXX, # XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 
XXXX XXXX XXXX, XXXX XXXX, XXXX XXXX, CA XXXX Bank of America , N.A . 
P.O. XXXX XXXX, XXXX, FL XXXX XXXX XXXX XXXX XXXX Payments/ XXXX  App Store ( intermediary processor ) XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX XXXX. Timeline XX/XX/year> : XXXX  unauthorized XXXX charges appeared on my Bank of America account. 

XX/XX/year> : Filed initial refund requests with XXXX and XXXX via support tickets no response received. 

XXXX XX/XX/year> : Filed reports with Bank of America Fraud Department ; submitted affidavits of unauthorized transactions. 

XXXX XX/XX/year> : Bank of America issued only partial credits, then denied full reimbursement. 

XX/XX/year> : Filed police report with XXXX XXXX XXXX XXXX and renewed refund demands. 

XX/XX/year> : XXXX and XXXX continue to ignore complaints; filing this complaint with CFPB for enforcement action. 

XXXX. Violations Alleged XXXX XXXX XXXX  Violated the Electronic Fund Transfer Act ( EFTA ) by processing unauthorized charges. 

Failed to honor XXXX consumer refund rights for digital purchases. 

Engaged in unfair, deceptive, or abusive acts or practices ( UDAAP ) under 12 U.S.C. 5531.

Bank of America , N.A . 

Failed to investigate and credit unauthorized transactions as required by Regulation E 1005.11. 

Did not provide timely written explanations or restoration of funds. 

XXXX / App Store / XXXX XXXX  ( XXXX XXXX  ) Acted as payment XXXXntermediaries without verifying consumer authorization, violating EFTA 907. 

XXXX. Supporting Evidence Attachments available upon request : Bank statements ( XXXX XX/XX/year> ) showing XXXX XXXX XXXX charges. 

Fraud affidavits and police report filed with XXXX XXXX XXXX XXXX. 

Email threads and support tickets to XXXX, XXXX, and Bank of America. 

Sworn statement executed on XX/XX/year>.

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