Which fraud involves obtaining payment from a person's bank account without their consent?

The correct choice pertains to unauthorized access fraud, which encompasses a variety of illegal activities where an individual gains access to someone else's bank account or financial information without permission. The essence of this type of fraud lies in its foundation: the fraudster exploits vulnerabilities, often using methods such as phishing, hacking, or malware, to gain unauthorized control over the victim's financial accounts.

In the context of this question, unauthorized access fraud specifically refers to scenarios where payments are extracted from a person's bank account without their knowledge or consent. This may include any methods that allow the fraudster to manipulate bank account details for their financial gain while intentionally bypassing the legitimate account holder's authority.

Although other types of fraud mentioned may involve financial deception, they typically center around different mechanisms or instruments. Check fraud, for instance, involves the unauthorized use or alteration of checks, while wire transfer fraud generally refers to the unauthorized electronic transfer of funds. Credit card transfer fraud usually implies the fraudulent use of credit card information rather than directly accessing a bank account.

Thus, unauthorized access fraud precisely reflects the act of accessing an individual’s bank account unlawfully, making it the most accurate answer to the question.