Banking Errors
Banking errors—such as unauthorized withdrawals, duplicate charges, misapplied payments, or inaccurate account balances—can cause overdrafts, late fees, and even credit damage. These mistakes may violate federal protections like the Electronic Fund Transfer Act (EFTA) and Florida consumer protection laws. We help identify and correct these errors, recover your lost funds, and hold financial institutions accountable when they fail to safeguard your accounts.
Your Rights
Under the EFTA and Florida consumer protection laws, you have the right to:
Dispute unauthorized charges or withdrawals.
Have your bank investigate and resolve errors within strict timeframes (usually 10–45 days).
Obtain reimbursement for confirmed unauthorized transactions.
Stop preauthorized payments from your account.
Pursue compensation if your bank fails to investigate or resolve disputes properly.
Possible Damages
If your bank does not correct errors, you may be entitled to:
Full reimbursement of unauthorized charges and related fees.
Compensation for financial losses tied to the error, such as missed payments or overdraft charges.
Statutory damages for EFTA violations.
Emotional distress damages if the error caused significant harm.
Attorney’s fees and court costs.
What Clients Ask us Most
Do I need a lawyer for a banking error dispute?
Notify your bank immediately, preferably in writing. The EFTA requires them to investigate and respond within a set timeframe.
Can a banking error affect my credit report?
Notify your bank immediately, preferably in writing. The EFTA requires them to investigate and respond within a set timeframe.
What if my bank refuses to fix the error?
Notify your bank immediately, preferably in writing. The EFTA requires them to investigate and respond within a set timeframe.
Can I stop a recurring automatic payment?
Notify your bank immediately, preferably in writing. The EFTA requires them to investigate and respond within a set timeframe.
I found an unauthorized withdrawal on my account. What should I do?
Notify your bank immediately, preferably in writing. The EFTA requires them to investigate and respond within a set timeframe.
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