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EFTA Rights - What Banks Don’t Want You to KnowThe law that protects you is called the Electronic Funds Transfer Act (EFTA) — and it forces banks to reimburse you for most unauthorized charges if you report them promptly.
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Scammed? You May NOT be Out of Luck!Think it’s too late after a scam? Attorney Lauren Veggian shares how to fight back, protect yourself, and maybe get your money back.
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Debit Card Fraud at ATM or Checkout: Bank Says It Was You?They use devices called “skimmers” or “shimmers” to steal card data, plus cameras or fake keypads to capture PINs. Sometimes they infect the terminals themselves with malware.
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Bank Froze Your Account After You Reported Fraud?If your bank froze your entire account after you reported fraud — that’s not protecting you, that’s re-victimizing you. And you don’t have to take it lying down.
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“That’s Not My Charge!” — What To Do If Your Bank Denies Your Debit Card Fraud Claimif you report the unauthorized charge within 60 days, it’s the bank’s job to prove the charge was authorized.
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When Your Money’s Vanished into the Void: How Banks Weaponize Frustration to Wear Victims DownHave you ever dialed your bank’s fraud hotline, only to be routed through a labyrinth of automated menus, abandoned
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Guilt is Human—Your Bank’s Excuses Aren’tCongress passed EFTA in 1978 and lawmakers drew a bright line: if an electronic hack drains your account, the bank must make it right.
Northern California:
(415) 802-2799
Southern California:
(213) 474-3338