Loker Law

What Are My Options if I Am Facing an Unauthorized ATM Charge?

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A person in a blue jacket using an unauthorized atm, entering their pin while withdrawing or depositing money.

In certain instances, if an individual discovers their debit card has been stolen, they will cancel it and receive a new one. However, there are other cases where some people don’t discover their card is gone until the fraudulent activity is caught. If you are facing either circumstance, you will need to give our firm a call today to discuss your options with our dedicated California unauthorized ATM charges lawyer today. Our legal team is here to help.

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

There is no doubt that finding out that someone has used your debit card to make purchases or withdraw money can induce a lot of stress and fear. Even though it may feel as though you have been violated and that your money will be gone permanently, you have alternatives. In fact, there are several different laws that provide consumers with options 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 rely on us for help. Do not hesitate to give us a call today to examine the facts of your situation and your options.

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

If your ATM and/or bank card was lost or stolen, you will want to recognize 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. Keep in mind that it is not two days from when you lost the card, but instead, it is two business days after the date you learned you lost the card.

If you discovered unauthorized ATM charges on your bank statement that do not concern an ATM card, you are granted 60 calendar days (not business days) from the date you found the unauthorized accounts to notify the bank. After you have accomplished this, the bank is mandated to reimburse all funds withdrawn without your permission. It is important that you do not miss these deadlines. If your bank denies your claim of fraud, it is important that you hire the services of a skilled California identity theft victim lawyer as soon as possible. Our legal team can fight to help guarantee you are sufficiently compensated for any losses you have endured because 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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