BANK ACCOUNT BREACHED — What to Do When Unauthorized Transfers Hit
Have you discovered unauthorized bank transactions?
Learn your rights under the law and how R23 Law’s California Consumer Protection Attorneys can help you recover stolen funds.
Nothing can upend your day faster than logging into your account and seeing money missing. Whether it’s $50 or $5,000, discovering unauthorized bank activity is alarming—and it demands immediate action.
At R23 Law, our Consumer Protection Attorneys help victims across the state who’ve experienced financial theft via unauthorized transactions. If you’ve been affected, here’s what you need to know to protect yourself and your money.
What Counts as an Unauthorized Bank Transaction?
Any time someone accesses your account and initiates a transaction without your permission, it’s unauthorized. This could involve:
Stolen debit or credit cards
Online banking account breaches
Forged checks or wire fraud
Even if the thief never touches your physical card, you’re still protected under the law.
What Should You Do Immediately?
As soon as you spot a suspicious transaction:
Contact your bank or credit union
The faster you report the issue, the more likely you’ll recover the funds.Freeze your account
Prevent additional withdrawals while the bank investigates.File a fraud report
This will create a paper trail to support reimbursement or future legal action.
According to federal rules, if you report the loss within two business days, your liability may be capped at $50. Delaying the report could increase your responsibility significantly.
What Laws Protect You?
The Electronic Funds Transfer Act (EFTA) governs how banks must respond to unauthorized bank transfers. If your bank fails to reimburse you after a properly reported loss, they could be in violation of this law.
This law mandates that financial institutions:
Investigate disputed transactions promptly
Reimburse victims when the fraud is confirmed
Provide documentation of their findings
What If the Bank Refuses to Help?
Unfortunately, not all banks follow the rules. Many delay or outright deny legitimate fraud claims—leaving victims feeling powerless.
If your bank is stonewalling you, R23 Law can step in.
Our California Unauthorized Bank Transfers Lawyers will:
Demand compliance with EFTA regulations
File a legal claim if the bank violates your rights
Help you recover stolen funds and additional damages, where applicable
Don’t Let Your Bank Leave You in the Dark
You didn’t authorize the transfer. You shouldn’t be left paying the price.
📞 Schedule a free consultation with R23 Law today. We’ll review your case, explain your rights, and take legal action if necessary to hold your bank accountable.
Let us help you take back control of your finances—and your peace of mind.
