Banks often argue, “It came from your device, so it must be you.” That’s false. Fraudsters can clone SIM cards, hijack Wi-Fi, or steal login info. The EFTA only asks if you personally authorized the transaction — not whether your device was used.

Michael F. Cardoza, Esq.
Michael F. Cardoza, Esq.
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U.S. Marine & Consumer Financial Protection Attorney helping victims of ID theft and Credit Reporting errors.