24/7

No Fee Unless We Win

+1 877-615-1725

Logo
Background Image

Fraudulent charges on bank account? Contact Us Today For Dispute Assistance!

Consumer Attorneys:
Your Ally in Addressing Bank Account Fraud

  • We’ll help dispute fraudulent charges from your credit or checking account and will try to reverse them.

  • Our team will seek monetary damages if the financial institution fail to reasonably address our disputes.

  • With no out-of-pocket fees for you, we’ll seek our legal costs from the financial institution who failed to investigate our identity theft dispute.

INVESTIGATIVE ENGAGEMENT AGREEMENT

You, (“Client,” “you”), and Consumer Attorneys PLLC (“CA” or “we”), located at 68-29 Main Street, Flushing, NY 11367 (“CA”), hereby enter into this limited scope retainer agreement whereby you agree to grant CA the exclusive authority to investigate your potential consumer law claim(s), including but not limited to potential violations of the Fair Credit Reporting Act (“FCRA”), Fair Debt Collection Practices Act (“FDCPA”), Equal Credit Opportunity Act (“ECOA”), Electronic Funds Transfer Act “EFTA”), Fair Credit Billing Act (“FCPA”), and/or the Telephone Consumer Protection Act (TCPA”) (collectively referenced as “consumer protection statutes”). 1 Please read carefully before signing:

Authorization

You authorize CA to investigate your potential consumer law claim(s) under state and federal consumer protection statutes. You authorize CA to contact third parties on your behalf for the limited purpose of investigating your potential consumer law claims. “Third parties” include but are not limited to consumer reporting agencies, creditors, lenders, debt collectors, rental agencies, employers, courts, and law enforcement agencies.

CA’s Exclusive Investigative Period

CA agrees to investigate your potential consumer law claims in good faith. By signing this agreement, you agree to give CA the exclusive right to investigate your potential consumer law claim(s) for the next 180 days (“Exclusive Investigative Period”). For the duration of the Exclusive Investigative Period, you agree that you will not communicate with any other law firm or legal representative about your potential consumer law claim(s). You agree to forgo any previously scheduled consultation or case review until CA’s Exclusive Investigative Period concludes.

Termination of Exclusive Investigation Period

CA agrees that the Exclusive Investigative Period may not extend beyond 180 days without your prior written consent.

At any time between the date of this agreement and the expiration of CA’s Exclusive Investigative Period, CA may inform you of the outcome of its investigation. If CA’s investigation reveals that you have an actional consumer law claim, CA may ask you to sign a formal retainer agreement. If CA’s investigation does not reveal an actionable consumer law claim, you will receive an e-mail that states CA will not represent you in any further pursuit of your potential claim(s).

The relationship between you and CA automatically terminates at 5pm on the 180th day of the Exclusive Investigative Period or your receipt of CA’s written notice to decline representation, whichever comes sooner. At the conclusion of the Exclusive Investigative Period or upon receipt of CA’s written declination of representation, you are permitted to seek alternative legal counsel without penalty.

Nothing in this agreement should be construed as a promise or guarantee that CA will represent you in a consumer lawsuit at any point in time. CA reserves the right to decline to represent you for any reason permitted by relevant laws and ethical rules.

Your Involvement and Promises to us

You agree to meaningfully participate and cooperate in CA’s investigation of your potential consumer law claim(s). You agree to immediately inform CA if your mailing address, e-mail address, or phone number changes at any point during the Exclusive Investigative Period.
You agree to provide all relevant information, communications, documents, materials, and all other similar instruments to CA and its representatives during the Exclusive Investigative Period. You understand that your failure to provide all relevant information, communications, documents, and materials to CA during the Exclusive Investigative Period may hinder, delay or otherwise frustrate CA’s investigation of your potential consumer law claim(s).

You agree, under penalty of perjury, to provide complete, accurate, and truthful information to CA. All documents and communications, oral or written, past or future, provided to CA during the Exclusive Investigative Period and anytime thereafter are presumed by CA to be true, complete, and accurate.

Fees and Costs Incurred During Exclusive Investigative Period

CA agrees that you will not incur any out-of-pocket fees or costs during CA’s Exclusive Investigative Period. However, if CA agrees to represent you in a consumer lawsuit, CA may recover the fees and costs incurred during the Exclusive Investigative Period from the Defendant pursuant to a future settlement or judgment.

You agree that CA has a right to place a lien on any future monetary recovery obtained by client related to the claims identified during CA’s Exclusive Investigative Period or as a result of CA’s investigative efforts. If you refuse to cooperate with CA in the formal pursuit of the consumer law claim(s) it identifies during or after the Exclusive Investigative Period, you agree that CA has the right to recover the fees and costs it incurred while investigating your potential consumer law claim(s).

Authorization to Use Your Electronic Signature

CA will send you any and all documents that require your signature. You authorize CA to affix your electronic signature to requests, disclosures, or other forms that CA deems reasonably necessary to the investigation of your potential consumer law claim(s) upon receipt of your approval or after the 7th day after the document was sent to you, whichever comes first. Your electronic signature will be used on any and all other subsequent documents that will need signature, affirmation, acknowledgment, or any other forms of authentication in reference to this matter under the above referenced procedure.

1 You also agree to give CA the exclusive authority to investigate potential violations of state-specific consumer protection statutes.

All Rights Reserved. Without Prejudice. CONSUMER ATTORNEYS

FORM # INV2024CA119

I have read and agree to the Privacy Policy, Investigative Retainer
Supported file formats:

Fraudulent Charges On My Bank Account. What Can I Do?

If you’re a victim of fraudulent transactions on your debit card, it’s essential to file a written dispute with your financial institution within 60 days of receiving your account statement. Consumers affected by unauthorized charges are protected under the EFTA (for debit accounts) and the FCBA (for credit accounts). You can contact Consumer Attorneys for guidance on how to file a dispute correctly - at no cost to you. By law, financial institutions must investigate and address your dispute. If they fail to reverse the unauthorized transactions, we can file a federal lawsuit against them for non-compliance with EFTA or FCBA guidelines. We will represent you during the lawsuit with no out-of-pocket costs.

alt

REASONS FOR LITIGATION

Consumer Attorneys is here to represent and support victims of identity theft. Contact us today if:

  • You’ve noticed fraudulent charges on checking account or credit card and want to dispute them properly.

  • You’ve already tried disputing the fraudulent charges on your own, but your dispute was unsuccessful.

  • The bank declined your dispute, and now the fraudulent account is showing up on your credit report.

  • You’re seeking monetary compensation for the damage and inconvenience caused by the fraudulent charges on your accounts.

Fraudulent Activity On a Bank Account: Understanding EFTA and FCBA Laws

The Electronic Fund Transfer Act (EFTA) protects consumers using debit cards, ATMs, and other electronic transactions. If unauthorized transactions appear, you should notify your bank as soon as possible. If you dispute the charges after 60 days, you may be held responsible for the entire amount of fraudulent charges. <br/> The Fair Credit Billing Act (FCBA) offers similar protections for credit card users. If you notice unauthorized charges, you must file a dispute in writing within 60 days of receiving the billing statement that includes the error. Credit card issuers are required to investigate within 2 billing cycles. If your dispute is ignored or unresolved, you have the right to take legal action, which could result in compensation for financial losses and emotional distress caused by the fraudulent charges.

HOW IT WORKS

What to do if my checking or credit account has been compromised?

1

Step

Get the account statement

You need to obtain an account statement that shows the unauthorized transactions. Contact us as soon as possible, and we’ll help prepare a written dispute for the financial institution.

2

Step

Dispute the Fraudulent Charges

We will send a dispute to the financial institution, and our paralegals will closely track the progress of their investigation. We will ensure that they address the dispute with the utmost diligence.

3

Step

Reverse the Charges

Once the investigation is complete, the bank will reverse the fraudulent transactions. If not, we will file a federal lawsuit to have them reversed, and the bank will pay our legal fees and compensate you for the damages.

Consumer Attorneys can file a lawsuit only if the financial institution fails to reverse fraudulent transactions after the dispute process or if other circumstances justify legal action.

FRAUDULENT CHARGES ON CHECKING ACCOUNT

Contact us
alt

ABOUT US

Consumer Attorneys is one of the leading consumer protection law firms in the United States

We are a team of attorneys, legal assistants, case managers, and other dedicated professionals committed to correcting errors in individuals background and credit reports. We work to help clients swiftly correct inaccuracies, restore their reputations, and uphold their rights. Our expertise includes resolving cases of identity theft, mixed identity, addressing erroneous information, and holding consumer reporting companies accountable for their mistakes in court. We also assist clients in overcoming housing and employment denials caused by false reporting.

Find a lawyer

10,000+

Nationwide Clients

25+ Years

Combined Experience

$100+ Million

Recovered for Clients

WHY CHOOSE US?

Consumer Attorneys gives you a helping hand

We have earned the respect and praise of judges, the lawyers we face in the courtroom and, most importantly, our clients by caring about their issues and coming up with innovative solutions to their consumer finance issues. Our team of experienced attorneys are dedicated to helping our clients understand and navigate every step of the case. While we are based in New York City, we represent the interests of consumers nationwide in both state and federal courts.

FREE LEGAL SUPPORT

Our services come at no out-of-pocket cost to you. We seek our fees from the defendant.

REPUTATION FOR SUCCESS

We have proven success in class-action litigation, as well as the skills and resources needed for every case.

PASSIONATE CONSUMER ADVOCACY

We sue consumer reporting agencies for mistakes and collection agencies for FDCPA violations.

We understand the harm that fraudulent charges on checking and credit cards can cause to innocent consumers. We also understand how difficult, expensive and emotionally draining it can be to untangle mistakes that weren't yours in the first place. Consumer Attorneys doesn't take a dime from its clients until we reach a settlement or a court decision in our clients’ favor.

Am I Entitled to Compensation?

We believe credit reporting companies and banks should be held accountable for the distress they put consumers through. The reputational damage, lost credit opportunities, and non-budgeted spending that can stem from credit report mistakes could make you eligible for compensation. If your rights were violated under the FCRA, you could win actual and/or statutory damages if your claim is successful. Consumer Attorneys will offer a free consultation where you’ll receive an estimate of how much your case is worth.

YOU SHOULD KNOW THAT...

Unauthorized transactions from Checking, Savings, Credit or Debit Accounts

Fraudulent credit and checking accounts are being opened using your name.

Erroneous records like incorrect criminal convictions, credit accounts, civil records and etc.

Don’t fight credit bureaus alone. The volume of complaints received by these companies means more damaging mistakes are often made during the dispute process. Let us know if our experienced and empathetic attorneys can help you get the justice you deserve.

Dispute Fraudulent Bank Transactions on Your Credit and Debit Cards With Consumer Attorneys!

You already understand the serious consequences of having your checking and credit accounts compromised. Fraudulent transactions can damage your financial stability and credit score. Time is crucial in these situations — contact us today to ensure the fraud is disputed correctly and the fraudulent charges are reversed. Our team will guide you through the process, ensuring your rights are protected.

WHAT OUR CLIENTS ARE SAYING

Michael's testimonial

Michael

Georgia

One day, I noticed nearly $5,000 was sent to an unknown PayPal account, and I had never used PayPal. I called the bank, but they weren’t very helpful, so I reached out to Consumer Attorneys. They sent a letter to the bank on my behalf, but after 45 days, the bank didn’t provide a clear response. We took the case to court, and we won. The bank had to return my money and cover all of Consumer Attorneys' legal fees.

Lucy's testimonial

Lucy

New York

I found myself in a horrible situation when all my documents were stolen from my car. The next day, I noticed over 50 hard inquiries on my credit reports, and my scores dropped almost 200 points! I reached out to Consumer Attorneys, and after nearly 8 months of filing dispute letters, we managed to have the fraudulent accounts removed. On top of that, I received a significant amount of compensation.

Luis's testimonial

Luis

Florida

I left my card credentials on a wierd website, and the next day, two transactions went to Pakistan. This was crazy. I contacted Consumer Attorneys, and they helped me file a dispute with the bank. The transactions were reversed in less than a week. Awesome firm, highly recommend to everyone!

FREE CONSULTING FOR OUR CLIENTS

CALL US NOW: +1 877-615-1725
INVESTIGATIVE ENGAGEMENT AGREEMENT

You, (“Client,” “you”), and Consumer Attorneys PLLC (“CA” or “we”), located at 68-29 Main Street, Flushing, NY 11367 (“CA”), hereby enter into this limited scope retainer agreement whereby you agree to grant CA the exclusive authority to investigate your potential consumer law claim(s), including but not limited to potential violations of the Fair Credit Reporting Act (“FCRA”), Fair Debt Collection Practices Act (“FDCPA”), Equal Credit Opportunity Act (“ECOA”), Electronic Funds Transfer Act “EFTA”), Fair Credit Billing Act (“FCPA”), and/or the Telephone Consumer Protection Act (TCPA”) (collectively referenced as “consumer protection statutes”). 1 Please read carefully before signing:

Authorization

You authorize CA to investigate your potential consumer law claim(s) under state and federal consumer protection statutes. You authorize CA to contact third parties on your behalf for the limited purpose of investigating your potential consumer law claims. “Third parties” include but are not limited to consumer reporting agencies, creditors, lenders, debt collectors, rental agencies, employers, courts, and law enforcement agencies.

CA’s Exclusive Investigative Period

CA agrees to investigate your potential consumer law claims in good faith. By signing this agreement, you agree to give CA the exclusive right to investigate your potential consumer law claim(s) for the next 180 days (“Exclusive Investigative Period”). For the duration of the Exclusive Investigative Period, you agree that you will not communicate with any other law firm or legal representative about your potential consumer law claim(s). You agree to forgo any previously scheduled consultation or case review until CA’s Exclusive Investigative Period concludes.

Termination of Exclusive Investigation Period

CA agrees that the Exclusive Investigative Period may not extend beyond 180 days without your prior written consent.

At any time between the date of this agreement and the expiration of CA’s Exclusive Investigative Period, CA may inform you of the outcome of its investigation. If CA’s investigation reveals that you have an actional consumer law claim, CA may ask you to sign a formal retainer agreement. If CA’s investigation does not reveal an actionable consumer law claim, you will receive an e-mail that states CA will not represent you in any further pursuit of your potential claim(s).

The relationship between you and CA automatically terminates at 5pm on the 180th day of the Exclusive Investigative Period or your receipt of CA’s written notice to decline representation, whichever comes sooner. At the conclusion of the Exclusive Investigative Period or upon receipt of CA’s written declination of representation, you are permitted to seek alternative legal counsel without penalty.

Nothing in this agreement should be construed as a promise or guarantee that CA will represent you in a consumer lawsuit at any point in time. CA reserves the right to decline to represent you for any reason permitted by relevant laws and ethical rules.

Your Involvement and Promises to us

You agree to meaningfully participate and cooperate in CA’s investigation of your potential consumer law claim(s). You agree to immediately inform CA if your mailing address, e-mail address, or phone number changes at any point during the Exclusive Investigative Period.
You agree to provide all relevant information, communications, documents, materials, and all other similar instruments to CA and its representatives during the Exclusive Investigative Period. You understand that your failure to provide all relevant information, communications, documents, and materials to CA during the Exclusive Investigative Period may hinder, delay or otherwise frustrate CA’s investigation of your potential consumer law claim(s).

You agree, under penalty of perjury, to provide complete, accurate, and truthful information to CA. All documents and communications, oral or written, past or future, provided to CA during the Exclusive Investigative Period and anytime thereafter are presumed by CA to be true, complete, and accurate.

Fees and Costs Incurred During Exclusive Investigative Period

CA agrees that you will not incur any out-of-pocket fees or costs during CA’s Exclusive Investigative Period. However, if CA agrees to represent you in a consumer lawsuit, CA may recover the fees and costs incurred during the Exclusive Investigative Period from the Defendant pursuant to a future settlement or judgment.

You agree that CA has a right to place a lien on any future monetary recovery obtained by client related to the claims identified during CA’s Exclusive Investigative Period or as a result of CA’s investigative efforts. If you refuse to cooperate with CA in the formal pursuit of the consumer law claim(s) it identifies during or after the Exclusive Investigative Period, you agree that CA has the right to recover the fees and costs it incurred while investigating your potential consumer law claim(s).

Authorization to Use Your Electronic Signature

CA will send you any and all documents that require your signature. You authorize CA to affix your electronic signature to requests, disclosures, or other forms that CA deems reasonably necessary to the investigation of your potential consumer law claim(s) upon receipt of your approval or after the 7th day after the document was sent to you, whichever comes first. Your electronic signature will be used on any and all other subsequent documents that will need signature, affirmation, acknowledgment, or any other forms of authentication in reference to this matter under the above referenced procedure.

1 You also agree to give CA the exclusive authority to investigate potential violations of state-specific consumer protection statutes.

All Rights Reserved. Without Prejudice. CONSUMER ATTORNEYS

FORM # INV2024CA119

I have read and agree to the Privacy Policy, Investigative Retainer
Supported file formats:
CONTACT US

Head Office NY

68-29 Main Street, Flushing NY 11367

+1 877-615-1725

info@consumerattorneys.com

OUR SOCIAL MEDIA
OUR RATING SERVICES
TrustpilotBetter Business BureauGoogle My Business

Attorney Advertising. Consumer Attorneys works with and may refer matters to co-counsel and its affiliate. Any references on this website to attorneys, lawyers, counsel etc. are to attorneys at Consumer Attorneys and its co-counsel and its affiliate. Prior results do not guarantee a similar outcome. This website is for informational purposes only and does not contain legal advice. Using this site or communicating with an attorney does not establish an attorney-client relationship, which can only be established in a writing signed by the lawyer and the client.

© 2025 Consumer Attorneys. All Rights Reserved.

Privacy PolicyTerms Of UseAccessibilityDMCA