Charge Disputes
Unauthorized transaction?
Is the bank refusing to refund the charge dispute?
We SUE banks over any amount!
You are not responsible for unauthorized charges on your debit card or credit card.
The Electronic Funds Transfer Act (EFTA) protects checking accounts and debit cards from unauthorized charges. The EFTA is often referred to as Regulation E.
Prepaid reloadable debit cards are also protected by the EFTA if you received a tax refund or any federal benefit direct deposited onto the card.
The Truth in Lending Act (TILA) protects credit cards from unauthorized charges plus adds the additional protection for the quality of goods and services received. TILA is often referred to as Regulation Z.
Things to remember for debit card disputes:
Be sure and file your dispute within 60 days of the transaction date of the disputed charges.
Banks can ask you for a written fraud dispute. Be sure and complete it if they do!
Banks do not have the right to ask you for a police report.
Banks cannot make you try and resolve the dispute with the merchant first.
It does not matter if your PIN was entered correctly for an ATM charge dispute.
Banks generally have to give you a decision within 13 business days.
Banks have to send you a denial letter. Keep this!
Ask for any documents the bank relied on in its investigation.
Examples of Past Cases:
Failing to refund unauthorized transactions, charge disputes, unreasonable blocks or holds, hidden fees, excessive charges, deposit issues, account errors, service issues, downtime, balance errors, duplicate charges, and/or transaction problems etc. Our legal claims have been based on breach of contract, consumer fraud, as well as violation of the Electronic Funds Transfer Act (EFTA) and Regulation E.
