Help with Unauthorized Transactions

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Discovering that your debit card has been lost or stolen and then used for unauthorized purchases or withdrawals can be stressful and overwhelming. While many people cancel their cards before any harm is done, others don’t realize there’s a problem until fraudulent charges appear.

If this has happened to you, you may have legal options. State and federal laws provide important protections for consumers facing unauthorized debit or ATM transactions. In many cases, timely action can lead to full reimbursement of stolen funds.

What to Do If Your Debit Card Is Lost or Stolen:  

If your debit or ATM card is lost or stolen, you generally have two business days from the date you discover the loss to notify your bank. If you discover unauthorized ATM charges that do not involve a missing card, you typically have 60 calendar days from discovering the charges to report them. Missing these deadlines can jeopardize your ability to recover your money.

If your bank denies your fraud claim or refuses reimbursement, legal representation may be necessary.

MooreLaw PLLC has experience helping victims of unauthorized ATM withdrawals and other forms of financial fraud. If you’re facing unexplained charges or a bank dispute, we’re here to help. 

Unauthorized credit card transactions remain an unfortunate reality in today’s digital world. If you notice a charge on your credit card statement that you did not authorize, it is critical to act quickly. Timely action can often resolve the issue—but when a lender fails to do so, experienced legal guidance may be necessary.

What to Do After Discovering Unauthorized Credit Card Charges
If you identify an unauthorized transaction, you must promptly notify your credit card company and dispute the charge—generally within 60 days of receiving the billing statement containing the error. In many cases, the lender will reimburse the disputed amount. However, some credit card companies improperly deny or delay valid fraud claims.

When a Credit Card Company Refuses Reimbursement
If your dispute is denied, you do not have to handle the situation alone. Under the Fair Credit Billing Act, consumers have the right to dispute billing errors, but strict notice and documentation requirements apply. MooreLaw PLLC can assist with drafting the required dispute letter and, when necessary, pursue legal action to compel the lender to reverse unauthorized charges.

If your lender refuses to correct fraudulent charges, contact us today for a free consultation. We are committed to protecting your financial security and holding financial institutions accountable.

Unauthorized bank transfers and other fraudulent transactions can cause serious financial harm. If your bank has refused to credit your account or reimburse your losses, an experienced Pennsylvania consumer lawyer can help. MooreLaw PLLC represents individuals seeking recovery when financial institutions fail to protect their customers.

What to Do After Discovering Unauthorized Bank Transactions
If you notice an unauthorized transfer, duplicate charge, or signs that your account has been compromised, notify your bank immediately. In many cases, prompt reporting leads to reimbursement. If ongoing fraud is a concern, temporarily freezing your account may help prevent further losses.

Your Rights Under the Electronic Funds Transfer Act
Banks and other financial institutions are regulated by the Electronic Funds Transfer Act, which provides important protections for consumers. When a bank improperly denies reimbursement for unauthorized transactions, legal action may be warranted. If a violation is proven, you may be entitled to actual damages, statutory damages, and recovery of attorney’s fees.

If your money has disappeared through no fault of your own and your bank refuses to make things right, do not proceed alone. Contact MooreLaw PLLC today to schedule a free consultation and learn how we can help you recover what you’re owed.