Imagine waking up, pouring your coffee, opening your banking app—and discovering $3,700 vanished overnight.
You didn’t spend it. You didn’t authorize it. And yet, when you call your bank in a panic, you hear the same robotic script:
“I’m sorry, but you waited too long to report this… We can’t help you.”
“The charges came from your phone, so it must be you.”
“We’ve investigated and found no error.”
Sound familiar?
Here’s the truth your bank hopes you never learn: they’re quoting their “policy,” not the law.
The 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. EFTA is not some optional guideline. It’s federal law. And your bank is required to follow it.
Why Banks Play Dumb (and How It Hurts You)
Banks love to blur the line between your rights and their policies. Why? Because every dollar they deny you is a dollar they keep.
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Fraud through Zelle, Venmo, or PayPal? Still covered.
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ATM withdrawals in another state? Still covered.
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Debit card hacks overseas? Still covered.
But if you don’t push back, the bank gets away with it.
The Real Deadline (Not the Bank’s Made-Up One)
Your bank might claim you only had 48 hours to report fraud. False. Under EFTA:
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Report within 60 days of your statement, and your bank is on the hook.
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Even after 60 days, your liability is capped — not unlimited like they’d have you believe.
The problem? Most people don’t know these rights exist until it’s too late.
Why You Need an EFTA Lawyer Now
When banks stonewall, we sue them — and they pay our fees, not yours. That means you pay nothing out of pocket. Zero. If we don’t win you money, we don’t get paid.
That’s why we call it no-risk justice.
Don’t let your bank rewrite the law to suit themselves. You’ve already been robbed once — don’t let them rob you again.
👉 Call ME today. Let’s force your bank to follow the law, return your money, and pay for the stress they caused you.
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