DON’T LET BANKS GASLIGHT YOU — Your EFTA Rights Are Not Optional
Imagine this: You wake up, sip your coffee, check your banking app… and $3,700 is gone
No explanation. No permission. And when you call your bank, you get the same infuriating script:
“You waited too long to report it. Nothing we can do.”
“The transaction came from your phone—it must be you.”
“We investigated and found no error.”
That’s not just dismissive—it’s wrong. More importantly, it’s illegal.
Banks often cite policy to avoid honoring your rights. But under the Electronic Fund Transfer Act (EFTA), you have clear protections—and R23 Law’s California Consumer Protection Attorneys are here to make sure banks follow the law.
Federal Law Says You’re Protected. Period.
The EFTA is not a bank’s suggestion—it’s a binding federal law. When you report unauthorized charges quickly, banks are required to reimburse you. Whether the fraud happened via:
Zelle, Venmo, or PayPal
ATM withdrawals out of state
Debit card use overseas
…you’re likely covered. But banks often stonewall until a lawyer gets involved. That’s where R23 Law steps in.
Bank Policies vs. Federal Law: Know the Real Deadlines
Banks often try to impose their own 48-hour deadline to report fraud. But under the EFTA:
You have 60 days from the date your bank statement is made available to report unauthorized charges.
Even if you miss the 60-day mark, your financial liability is limited—not unlimited, as banks would like you to believe.
Your Legal Rights Don’t Expire Just Because They Say So
When you act within that 60-day timeframe, the bank—not you—is on the financial hook. But even beyond 60 days, you may still be partially protected under the law.
R23 Law’s Expert Legal Services for EFTA and Banking Fraud Victims
When banks deny your claim, delay your refund, or refuse to investigate properly, you don’t just need a dispute—you need litigation leverage.
R23 Law’s California Consumer Protection Attorneys can:
Enforce your EFTA rights to full reimbursement
Hold banks accountable for unlawful denial of claims
Recover emotional damages in cases of distress or negligence
Pursue no-risk legal claims where you pay nothing unless we win
We don’t just demand refunds—we demand justice. And we make the bank pay our legal fees, not you.
No-Risk Justice for California Consumers
You’ve already been financially violated—don’t let your bank rob you again with delay tactics or misleading scripts. R23 Law levels the playing field.
Zero upfront cost
We only get paid if we win
Multilingual legal support available3
Aggressive litigation against noncompliant banks
Banks Hate Accountability—We Deliver It
Most consumers don’t know the full extent of their rights until it’s too late. But R23 Law makes sure that changes. Our consumer protection team doesn’t just handle EFTA claims—we win them.
If you’ve lost money due to unauthorized charges and your bank refused to return it, you may have a strong legal claim under federal law.
📞 Contact R23 Law today for a free consultation.
We’ll review your case, walk you through your rights, and—if needed—initiate legal action to get your money back and your peace of mind restored.
🚨 Don’t wait. The clock is ticking. The law is on your side—and so are we.
R23 Law California Consumer Protection Attorneys
Relentless. Results-Driven. Respected.
