Unauthorized Charges on your Debit Card? Here's what to do.

The Electronic Fund Transfers Act says that banks cannot hold you liable for unauthorized charges made to your debit card. This means that if your debit card is lost, stolen, or counterfeited, the bank must refund you for all fraudulent charges - if you dispute them in a timely manner. In the case of a lost or stolen card, you have to notify the bank within 2 business days of learning the card was lost or stolen. In all other cases, you have to notify the bank within 60 days of receiving the statement showing the fraudulent charges.

If the bank doesn't refund your money within 10 days (or provisionally recredit the account while they finish their investigation), you can take them to court for a refund, plus up to $1000 of statutory damages, plus costs and attorneys' fees. 15 U.S.C. 1693f.

[unstabledefusion]

1. Immediately call bank to cancel your card, request a new card, and dispute the charges.
2. Try to ask them where a transaction was made and/or where it was shipped to.
3. Report to police, especially if you have a really good idea of who did it.

[AdrianCardenas-vivc]

I had a card get skimmed and cloned and used to withdrawal cash at an atm pay pal denied me my money back is there anything I can do??

[tayluvofficial]

Someone spent like a 90$ from my card while my card being at home. They spent it on an online shopping website. I don't know who got all the info because I never share this with anyone. I'm gonna go to bank tomorrow to fill a dispute form as they've said. I hope I can get a refund. So stressed omg

[Neno-wmwhdxu]

What about i got hacked at wells fargo two times. I took my money to another bank and a year later the card that i thought was closed was used by someone, not me. Now, they are refusing to pay that bill.

[gaget]

In my situation. I’m having unknown transactions while I still have my card on me. I don’t even recognize them. So I’m just gonna cancel my current card, request a new one and dispute the charges. Hope I get that money back. Since I didn’t even spend any of it n

[thatmeanmexican]

My sister got scammed from her ex boyfriend for 10 grand and he scammed her back in January and barley noticed in May they she got robbed did the police report and everything still haven’t heard back from them but from what this video is telling me is that she’s practically screwed at this point

[yasminabdu]

I was charged for $2, 500. I notified my bank and still waiting but I don’t know what to do. Still hopping I get my money back.

[coreypuddicombe]

I did a dispute and they said since it passed 120 days they can’t give me back my money because I took to long to dispute but I reported it right away !

[buddydiamond]

During Christmas eve. My mom and step dad both got $500 taken from their accounts and had their cards frozen. They dont know what happened and are very livid about the situation. We cant even call the bank because they're closed on holidays. Its saturday and they open on Tuesday.. Could they use that to not pay my mom and step dad back for what they lost??

[MariamManar]

I am having the same issue with TD Bank I've disputed the fraud and they refuse to give me my money back, they sent me 2 letters in the mail stating that they have conducted an investigation and result into not refunding me my money back 😑.
I called the police and they said they can't do nothing about it and I have to go to my local police station to make the claim, I've called the bank over the phone and then went in person when in the incident happened within less than 24 hrs it's very frustrating that they trust me and allow for such theft to happen in the first place .

[mayjune]

i noticed there was a $82 charge that I don't remember authorizing and it mentioned jeezmedia which I've never heard before. I've emailed my bank and have blocked my cards to stop any other transaction, I'm concerned that it will keep charging. Is there anything I should do?? Thanks.

[kennethbaze]

what if it was a green dot customer service employee that was making unauthorized transactions by duplicating authorized transactions 2 to 3 times in one transaction, how do i recover those funds when the dispute department refuses to credit the garnished amount in full

[Blaccjesus]

What if after 90 days there has not been a resolution?
I had 16 charges from about a 3 month span. Totaling $3500. The bank randomly denied provisional credit on from it looks like 1 charge a month total $400 which was 250, 100 and 50. Than they provided me not 3 ODF reimbursement but 5. Which at very least means 2 more charges should be reimbursed. I believe my 90 is in 9 days October 14, 2024. What steps are next?

[Kaebkk]

Someone has all my information I’m scared and I’m crying right now help please

[njgrant]

been charged twice from my card and none were shown on transaction. one is for the month coming up and the other idk how. Something is fishy.

[bobbiinfield]

i can’t get the bank to answer the phone it says high volume calls and hang up i have direct express and they won’t answer google ha taken 20 unauthorized charges off my card

[Uniquebadahh]

What if they closed your account on top of that

[Joed]

I filed a dispute with my bank and they denied my claim. I dont know what to do

[rosaaguirre]

I called about a fraudulent charge and wanted to dispute the charges in writing and Truist would not allow me to do it. They just wanted to cancel my card right away. And I would have to wait till Monday to go in to lobby and get temporary replacement card. The charge was for a small amount so I don't know what to do because I have my bills on autopay and they all come out within the next 2 weeks.

[FreeJulianAssange]

I am getting very small charges taken out but many. 1.31, 2.69, and stuff like that.