Unauthorized Bank Transactions? Get Your Money Back
Has your bank failed to reimburse you for unauthorized electronic fund transfers? You have strong legal protections under the Electronic Fund Transfer Act (EFTA).
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Common EFTA Violations
If you've experienced any of these issues, you may have a claim under the Electronic Fund Transfer Act.
Unauthorized Debit Card Charges
Fraudulent transactions on your debit card that you didn't authorize or recognize on your statement.
Bank Investigation Failures
Your bank failed to properly investigate unauthorized transactions or denied your claim unfairly.
ATM Skimming & Fraud
Money stolen through ATM skimming devices, cloned cards, or compromised PIN numbers.
Account Hacking
Unauthorized access to your bank account resulting in stolen funds through electronic transfers.
Reimbursement Denials
Your bank refused to reimburse you for unauthorized transactions after you reported them promptly.
Unrecognized Transfers
Electronic transfers appearing on your statement that you never initiated or authorized.
What Can You Recover Under the EFTA?
The Electronic Fund Transfer Act provides strong federal protections for consumers. When a bank violates the EFTA (15 U.S.C. § 1693m), the law provides these remedies.
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Get your EFTA rights evaluated today
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How the Free Case Review Works
Consumer Center for Resources is a nonprofit, not a law firm. Read the details.
Learn your rights
Read our free EFTA guides to understand what California law says about your situation.
Tell us what happened
Use the form or call us. Share the basics: the vehicle, the dealer or manufacturer, and what went wrong.
We review your request
If it looks like you may have a claim, we connect you with Consumer Action Law Group, an independent consumer protection law firm, which may handle it or refer you to another attorney.
You decide
An attorney explains your options. You are never obligated to hire anyone, and the review is free.
Frequently Asked Questions
Get answers about the Electronic Fund Transfer Act and your legal rights.
Ready to Recover Your Money?
Tell us what happened with your bank. We'll review it for free and point you to next steps.
Why Act Now?
- ✓Your liability depends on how quickly you report
- ✓Banks have strict deadlines they must follow
- ✓The sooner you act, the stronger your case
- ✓Run by a nonprofit consumer education organization
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Tell Us About Your Unauthorized Transactions
Free EFTA case reviews for California and New York residents
Bank Won't Reimburse You?
Reporting deadlines matter under the EFTA. Get your free, no-obligation case review today and find out if you're entitled to full reimbursement plus damages.