Chen

1 2 3 4 UNITED STATES DISTRICT COURT 5 NORTHERN DISTRICT OF CALIFORNIA 6 7 RICKY H. CHEN, et al., Case No. 25-cv-03790-EMC (EMC)

8 Plaintiffs,

ORDER GRANTING MOTION TO

9 v. DISMISS WITH LEAVE TO AMEND

10 BANK OF AMERICA, N.A., Docket No. 24 11 Defendant.

12 13 Plaintiffs, on behalf of a class, filed suit against Defendant Bank of America for violations 14 of the Electronic Fund Transfer Act. Plaintiffs allege that Defendant improperly refused to apply 15 the protections of the EFTA to their disputed transactions on the basis that the disputed 16 transactions were wire transfers. Defendant moves to dismiss, arguing that (1) the EFTA does not 17 apply to wire transfers, and (2) Plaintiffs have failed to adequately plead an unauthorized transfer. 18 Because Plaintiffs have failed to adequately plead their claims, Plaintiffs’ claims are DISMISSED 19 with leave to amend.1 20 21 I. FACTUAL BACKGROUND 22 Plaintiffs Ricky Chen and Amin Wu allege that on September 16, 2024, they were 23 “victimized by unauthorized electronic fund…