Watson

I. BACKGROUND

23 On April 15, 2025, plaintiff Lori Watson filed this lawsuit against defendant Bank 24 of America, N.A. ECF No. 1. On June 13, 2025, Defendant filed a motion to dismiss 25 Plaintiff’s original complaint. ECF No. 9. On June 27, 2025, Plaintiff filed her Amended 26 Complaint, the operative pleading. ECF No. 10. 27 The Amended Complaint alleges as follows. As a result of an auto accident, Plaintiff 28 became unable to work and received disability benefits from the State of California Employment Development Department (“EDD”). Id. ¶ 9. EDD set up a disability benefits account in Plaintiff’s name at Bank of America, and Plaintiff was provided with a Bank of America debit card to make withdrawals. Id. ¶ 10. Plaintiff alleges that between January 2023 and July 2023, the total sum of $20,745. was withdrawn from her account through twenty-one withdrawals made without Plaintiff’s authorization or knowledge. Id. ¶ 12, 13. Four of these withdrawals were allegedly made from a teller window inside a Bank of America branch around 3am, during which time the window was closed to the public. Id. ¶¶ 21, 24.…