Consumer complaint received 2026-04-09 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: MI

Complaint narrative:
FOLLOW UP OF CASE XXXX I am submitting an update to my complaint regarding Bank of Americas handling of my fraud claim. After initially issuing provisional credit for an ATM withdrawal, Bank of America has now reversed that credit while the investigation is still disputed and unresolved. I did not include this in my original complaint because the provisional credit had temporarily been applied ; however, its removal has now caused additional financial hardship. I have provided substantial documentation to support my claim, including a notarized affidavit, police report, FOIA records, timestamps, and account statements. Despite this, Bank of America continues to deny my claim without providing sufficient evidence that I authorized these transactions. The transactions were conducted via XXXX XXXX on a device I do not own, and I was physically at work at the time, which has been documented. The reversal of provisional credit under these circumstances raises serious concerns regarding compliance with the Electronic Fund Transfer Act ( Regulation E ), specifically the requirement to conduct a reasonable investigation and provisionally credit disputed funds when investigations are ongoing. I am requesting immediate review of this matter, reinstatement of the provisional credit, and full reimbursement of the unauthorized transactions. Additionally, I have formally served a Notice of Intent to Pursue Legal Action to Bank of America through their registered agent, XXXX XXXX, via certified mail. Delivery was confirmed and signed for on XX/XX/year>. I have also verified with Bank of Americas claims department that my supporting documentation was successfully uploaded and received in their system. Despite confirmed receipt of extensive evidence, including a notarized affidavit, police report, FOIA documentation, timestamps, and account records, Bank of America has continued to deny my claim and has now reversed previously issued provisional credit. This indicates that my documentation may not have been reasonably reviewed prior to their determination. I am attaching proof of delivery, submission confirmations, and all supporting documentation for review. I am requesting immediate intervention to ensure compliance with Regulation E and proper handling of my fraud claim. It is also important to note as the account holder I am sworn law enforcement officer who is fully aware of the legal consequences associated with making false statements or filing a fraudulent claim. The affidavit and report submitted were made under that understanding and carry legal accountability. I am attaching proof of delivery, submission confirmations, and all supporting documentation for review. I am requesting immediate intervention to ensure compliance with Regulation E and proper handling of my fraud claim. Claim # : XXXX, XXXX

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 monetary relief