You wake up to find hundreds—or thousands—of dollars gone.
Transfers you never made.
Zelle or Cash App transactions you didn’t authorize.
You call the bank expecting help, and they hit you with the usual line:
“Those payments are instant—we can’t reverse them.”
“Zelle is between you and the other person.”
“We found no error.”
Wrong.
They can fix it—and under federal law, they’re required to.
⚖️ What the Law Actually Says
When money is taken directly from your checking account or linked debit card, it’s covered by the Electronic Fund Transfer Act (EFTA).
That means if the transfer wasn’t authorized by you, your spouse, or someone you permitted to use your account, the bank must investigate and refund your money.
Here’s what that really means in plain English:
-
Zelle and Cash App count as “electronic fund transfers.”
-
If your account was hacked or someone impersonated you, that’s unauthorized.
-
Your bank has 10 business days to investigate or credit your account temporarily while they look into it.
-
If they deny you without real proof, they’ve broken the law.
🚫 What’s Not Protected
If you willingly sent money to a scammer because you were tricked—say, someone pretending to be your bank or a family member—that’s considered authorized under the law.
But if someone gained access to your account and moved money themselves?
That’s unauthorized—and your bank owes you a refund.
🏦 Why Banks Keep Saying No
Zelle and Cash App are bank-linked systems that move your real money.
When fraud happens, refunding you means the bank takes the hit.
So they deny, delay, and hide behind the word “policy.”
But policy doesn’t override federal law.
💪 How to Get Your Money Back
-
Put your dispute in writing.
Write to your bank and say “This is an unauthorized electronic fund transfer under Regulation E.” -
Keep records.
Save screenshots, transaction IDs, and denial letters. -
Watch the timeline.
They have 10 business days to act or credit your account while they investigate. -
Call a lawyer who knows EFTA.
If they keep stonewalling, we can sue—and the law makes the bank pay your attorney’s fees.
💥 Why Call Us?
We hold banks accountable under the EFTA.
We make them refund your stolen funds, fix your credit, and pay for the stress they caused you.
And since the law makes them pay our fees, you pay nothing out of pocket.
👉 Call Now. Don’t wait for a miracle. Use the law that’s already on your side.
.png)
