Q: And the course of a night I wake up to my checking account being overdrawn by 97 different cash app transactions ranging
From $47-$49 each. I use Bank of America who I’ve been a customer with for 34 years never have I had anything like this and they deny my claim and close the claims and finalize it… what actions or steps should I take to get my money back we’re talking over 3000 overnight.
A:
If your checking account has been overdrawn due to unauthorized transactions, the first step is to contact Bank of America immediately, if you haven't already done so. Express your concerns clearly and request a thorough investigation. Despite the initial denial, you have the right to ask for a review of their decision. Document all communications for your records.
Additionally, report the unauthorized transactions to Cash App and the Federal Trade Commission (FTC) for further assistance. The FTC provides guidance on handling unauthorized transactions and can be a valuable resource in disputing charges and understanding your rights.
Finally, consider consulting with an attorney who has experience in banking and consumer fraud cases. They can offer legal advice tailored to your situation and help you navigate the process of reclaiming your funds. Also, check your bank's policy and state laws regarding electronic fraud as they can vary and may offer additional avenues for resolution.
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