Bank Fraud, Zelle Scams, Bank Disputes, & Refunds

Lost money to a bogus charge or even after a bank account takeover?

Get a bank fraud lawyer to make banks investigate the charge. They can help you get a full refund using EFTA, TILA, and state consumer protection laws.

Contact us for a free consultation. A chargeback lawyer can help you get back the money that’s rightfully yours.

If you didn’t consent to the charge and you told your bank, they must fix it.

Your money vanished. Maybe it was a scammer who took over your account or a charge you didn’t agree to. You reported it fast. And what did the bank do? Nothing, or worse, they blamed you.

Meanwhile, your account balance drops, you get hit with overdraft fees, and bills bounce. Banks count on you giving up. But the law is on your side, if you know how to use it.

Under federal law, banks can’t just ignore your claim. They can’t bury it in red tape, and they can’t drag their feet, hoping you’ll give up. If a transaction was not authorized, the law is clear: the bank must investigate it fairly. And often, they have to credit your account while they do.

Common Violations

  • Fraudulent or unauthorized charges you didn’t make

  • Charging for goods or services never received

  • Delayed or denied provisional credit while they “investigate”

  • Not stopping interest or late fees during a dispute

  • Investigations that are rushed or nonexistent

  • Closing the dispute without giving you a written explanation

  • Fees and overdrafts that pile up while your account is drained

What the law requires


Debit Cards:

  • Investigate within 10 business days
  • Provide provisional credit if it takes longer
  • Issue written findings with supporting evidence, if requested
  • Remove any fees caused by the disputed charge


Credit Cards:

  • Acknowledge disputes within 30 days
  • Resolve them within 90 days
  • Stop the collection of the disputed amount
  • Fix the account if the charge was improper: including interest and fees

We help clients enforce their rights


We’ve seen how banks cut corners. How they rubber-stamp denials. How they “close the case” without lifting a finger. But the law gives you tools, if you know how to use them

Don’t let them drain your account or bury you in excuses. We help you fight back.

Get help and a free consultation
Infographic titled “Is it covered by EFTA?” showing that Regulation E applies to personal checking/savings accounts for ATM, electronic deposits, ACH, debit-card, and P2P app payments (Zelle, PayPal, Venmo, Cash App), but usually not to business/credit/escrow accounts, checks, wire transfers, certain automatic transfers, or mobile-phone-bill charges—helpful for unauthorized-charge disputes and refunds.
01

Overcharges and double billings

You know the merchant, but something’s off. Maybe you were charged twice. Maybe the tip or charges were inflated. These are common and can be fought.

02

Charged for something that was never delivered

You paid for a product or service, but it never arrived. Or it was canceled before delivery, and you were still billed. That’s not just bad business. It may be grounds for a valid dispute.

03

Fraudulent charges you didn’t approve

Someone else used your card or account without your permission. That’s an unauthorized transaction. The law requires the bank to investigate and may lead to a refund.

Related articles from The Dispatch

The Dispatch is where we break down legal issues, explain your rights, and share real stories from the front lines. Think of it as our way of keeping you informed and ready to fight back.