Yes, you can file now if Bank of America denied your unauthorized debit-card or ATM dispute from May 6, 2023 to July 14, 2026. You cannot file now for 7-Eleven ATM balance-inquiry fees because that separate case has closed and paid out. The live case is Dennie v.
Bank of America, No. 3:24-cv-00454. It concerns denials of unauthorized-transfer claims under the Electronic Fund Transfer Act, the federal law for ATM and debit transfers. Settlement administrator Angeion says the bank agreed to a $2 million fund to resolve those allegations on the official settlement site.
Official resources:
- Read the original report from Consumerfinance — Use this primary source to review the complete report.
- Read the official notice from Amazonaws — Use this primary source to verify the official announcement.
Table of Contents
- Who qualifies for the active Dennie payment?
- How do you file before December 11, 2026?
- What does the settlement change and preserve?
- When will payments go out?
- What about the other Bank of America fee cases?
Who qualifies for the active Dennie payment?
You are in the class only if you held a Bank of America account and the bank denied your unauthorized debit-card or ATM dispute during the covered period. According to the court long-form notice via Angeion, the period runs from May 6, 2023 through July 14, 2026, and only those members can claim payment in the extended-dates court notice. That limit matters.
A denied fraud claim from 2022 does not qualify. A monthly maintenance fee, overdraft fee, or approved claim also does not qualify. Check your denial letter date and reason before you spend time filing.
How do you file before December 11, 2026?
Eligible members can still file free online at the official settlement site or by mail. According to the official claim form via Angeion, online submissions and postmarks are due December 11, 2026 for an equal pro-rata share in the official Dennie claim form.
File once with current contact information. A late, duplicate, or ineligible form will not create a share of the $2 million fund.
- Confirm your denial falls inside May 6, 2023 to July 14, 2026.
- Go to the official settlement site and complete the Dennie claim form.
- Mail your form instead if you prefer paper, with a postmark by December 11, 2026.
- Keep a copy and tracking number for your records.
What does the settlement change and preserve?
The Dennie deal addresses statutory damages only. According to Angeion, it preserves class members' claims for actual damages except for named plaintiff Layne. That distinction is practical. Your payment compensates the claimed legal violation tied to the denial process.
It does not erase a separate claim for money you actually lost, unless you are the named plaintiff. The settlement also requires improved denial letters. Future letters should explain the denial more clearly. Save old and new letters if you dispute another transaction later.
When will payments go out?
Payment is not immediate after you file. According to Angeion, the court will hold the final-approval hearing January 4, 2027 in Charlotte.
Approval must come first, then any appeals must resolve. That sequence can add months. Do not count on the money for near-term bills.
What about the other Bank of America fee cases?
A separate $2.25 million Schertzer settlement covered a different fee pattern. According to Kroll, it covered holders charged multiple out-of-network balance-inquiry fees in one visit to FCTI ATMs in 7-Eleven stores from May 1, 2018 to November 16, 2021. You cannot file in Schertzer now.
According to Kroll on the official Schertzer settlement site, former holders faced a June 29, 2026 deadline that has passed, current holders were paid automatically, and payments went out October 29, 2026. A 2023 federal action is also separate. According to the Consumer Financial Protection Bureau, it ordered over $100 million to harmed customers plus $150 million in penalties for double-dipping insufficient-funds fees, fake accounts, and withheld rewards, with redress automatic rather than claim-based. If you received that relief, it does not affect whether you can file a Dennie claim.