MERISIER v. BANK OF AMERICA, N.A.

No. 11-11036.

688 F.3d 1203 (2012)

Carline MERISIER, Plaintiff-Appellant, v. BANK OF AMERICA, N.A., a national association, Defendant-Appellee.

United States Court of Appeals, Eleventh Circuit.

July 31, 2012.


Attorney(s) appearing for the Case

Stephen Martin Zukoff , Law Office of Stephen M. Zukoff, Miami, FL, for Plaintiff-Appellant.

James Randolph Liebler , Tricia Julie Duthiers , Liebler, Gonzalez & Portuondo, PA, Miami, FL, for Defendant-Appellee.

Before TJOFLAT, PRYOR and RIPPLE, Circuit Judges.


TJOFLAT, Circuit Judge:

This is a case under the Electronic Fund Transfer Act ("EFTA"), 15 U.S.C. § 1693 et seq. A bank customer sued her bank to recover for unauthorized withdrawals from her checking account, made using her check card and personal identification number ("PIN"). EFTA requires a bank to investigate such disputed transactions, to notify the customer if it has verified the transactions as authorized, and to recredit the account if the withdrawals...

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