Loker Law

Unauthorized ATM Charges | What You Should Know

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In some cases, if an individual realizes their debit card has been stolen, they will cancel it and receive a new one. However, there are other instances where some people don’t discover their card is gone until the fraudulent activity is detected. If you are in this situation, you will need to reach out to our firm today to speak with our skilled California unauthorized ATM charges lawyer today. We are on your side.

Am I protected if I lost my debit card and found it being used?

Our firm recognizes the stress and fright that losing a debit card and finding that someone has used it to make purchases or withdraw money can have on an individual. While it may feel as though you have been violated and that your money will be gone forever, you have options. In fact, there are a number of different statutes that supply consumers with recourse in these circumstances. Our firm has years of experience handling these situations just like this, so if you are unable to resolve this issue on your own, you can count on us for help. Give us a call today to discuss the details of your case and your options.

What steps should I take if my debit card was lost or stolen?

In the event that your ATM and/or bank card was lost or stolen, keep in mind that you have two business days after the date you realized you were not in possession of your card to reach out to your bank and let them know. Note that it is not two days from when you lost the card; it is two business days after the date you discovered you lost the card.

If you found unauthorized ATM charges on your bank statement that do not involve an ATM card, you are awarded 60 calendar days (not business days) from the date you found the unauthorized accounts to inform the bank. Once you do this, the bank is instructed to reimburse all funds removed without your permission. It is essential that you do not miss these deadlines. If your bank disputes your claim of fraud, it is essential that you retain the services of a skilled California identity theft victim lawyer right away. Our legal team can fight to help ensure you are adequately compensated for any losses you have sustained as a result of this fraud.

Contact a California Consumer Lawyer

If you are facing any sort of consumer-related issue, such as one involving identity theft, a credit report dispute, or you need a debt collection defense attorney to fight for you, our firm is ready to help. Contact Loker Law, APC today to schedule your initial consultation with our experienced legal team.

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