Bank of America Says You Authorized a Transfer—but You Didn’t
Bank of America labeled a transfer authorized? Learn what records can help distinguish account takeover from a payment you initiated.
Read the guide →Consumer dispute resources
Bank of America dispute help
Account-takeover transfers and denied debit-card disputes.
Start with the account and the records
Identify the service used for each transfer. A debit-card purchase, online account transfer, Zelle payment, and traditional wire can require different factual and legal analysis.
A denial does not automatically establish a legal violation. We consider the transaction, evidence, reporting history, and response together. Start with our EFTA guide or credit-card billing dispute guide as appropriate.
Arbitration and filing costs
Bank of America’s current online-banking agreement includes arbitration for covered disputes relating to online and mobile services and provides an opt-out process. This is a service-specific agreement: do not assume it governs every deposit, card, or investment dispute. Review the agreements and amendments actually applicable to the transaction.
An arbitration clause is not a promise that every filing fee will be paid by the bank. Costs, forum rules, prerequisites, and any individual or mass-arbitration procedures require separate review. Bank of America Online Banking Service Agreement. Source checked October 3, 2026.
Frequently asked questions
What should I send for an initial review?
Start with the bank name, amount, key dates, and a short explanation. Keep detailed supporting records available; do not include passwords or complete account numbers in the initial form.
Can you guarantee a refund?
No. Whether representation is appropriate and what relief may be available depend on the facts and applicable law.
Are you affiliated with Bank of America?
No. Bank Dispute Law is independent of the financial institutions discussed.
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Bank of America Denied Your Debit-Card Fraud Claim: Reviewing the Decision
Review a Bank of America debit-card denial with a transaction-by-transaction record, supporting evidence, and the applicable account agreements.
Read the guide →Request a free case review
Tell us the bank, disputed amount, reporting dates, and how the bank responded. Please do not send passwords, PINs, or full account numbers through the initial form.
Free Case Review →Submitting an inquiry does not create an attorney-client relationship. No attorney’s fees unless we win; your written engagement agreement addresses fees and case expenses.