Who Enforces Regulation E for Individual Cases? Nobody!

I informed my bank that my bank account was drained by fraud. I called in and visited in branch. I was told that I would have liability due to the manner of the fraud. I filed a Reg E complaint with the OCC, then the CFPB, the Dept. Of Consumer Affairs, The Fed, and others. First, my bank said they needed more information, specifically the last four of my debit card, and when I couldn't remember, I was told that couldn't complete my claim. I went down to the bank on two different occasions, provided proof to the bank manager, and had a meeting with him. The bank is now stating that I never filed a claim. The bank manager can't remember me ever going in there, even though I had a witness and the papers he printed out for me. They have given me the run around for two years. They even told me that I had to call in and when I did told me that they "re-opened" my claim. Then they said there never was one. I have scoured the internet trying to find an attorney to assist me with this because this bank is blatantly violating Reg E and the CFPB isn't doing jack about it. All they do is get the bank to answer you, and even then my bank did not respond in time, and when I reasserted the claim, I did so on the CFPB website, and still the bank isn't refunding me my money. This is unspeakably unfair.

 

I did. First, I called fraud. Spoke with two different reps. The first one froze my online account access, and the second told me because I didn't know the last four of my debit card, my claim could not be completed. Once I had the information, I drafted an affidavit and went with a witness to the branch, provided proof of the fraud (an sd card) to a banker who forwarded it to the manager, who I followed up with the following week. He assured me he forwarded the proof to fraud; and yes, I was within the time constraint of 60 days, and I contacted the bank after I contacted police. Police showed little interest in helping me. I also called in to corp. when I received a letter instructing me to. I was told at that time that my case was "re-opened", only to read in their response to the CFPB that they knew of no claim I ever filed.