Most news articles on consumer law are needlessly confusing. Attorney Mike Cardoza takes a straight, no-nonsense approach on the current issues facing consumers today. Our blog provides an insider’s view on consumer rights, and explores topics such as threats to privacy and unfair credit reporting. Be sure to check back for regular updates.
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💸 Zelle or Cash App Fraud? The Real Way to Get Paid BackWhen money is taken directly from your checking account or linked debit card, it’s covered by the Electronic Fund Transfer Act (EFTA). That means if the transfer wasn’t authorized by you, your spouse, or someone you permitted to use your account, the bank must investigate and refund your money.
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💥 Make Your Bank Pay for Unauthorized DebitsDebit card fraud is governed by the Electronic Fund Transfer Act (EFTA) and Regulation E, and it’s one of the few consumer laws with real teeth. It requires your bank to
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Scammed? Why Banks May Still Owe You a Refund Under EFTAWhat matters is whether you actually authorized the transfer.
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💳 Debit Fraud Is NOT Like Credit Fraud — Here’s the TruthBanks love to pretend debit fraud isn’t protected the way credit fraud is. That’s a lie. The EFTA is your shield.
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💳 Thinking of Paying Identity Theft Debt? Don’t Do It.Bottom line: paying a fraudulent account is like pouring gasoline on the fire.
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EFTA Rights - What Banks Don’t Want You to KnowThe law that protects you is called the Electronic Funds Transfer Act (EFTA) — and it forces banks to reimburse you for most unauthorized charges if you report them promptly.
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Scammed? You May NOT be Out of Luck!Think it’s too late after a scam? Attorney Lauren Veggian shares how to fight back, protect yourself, and maybe get your money back.
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Debit Card Fraud at ATM or Checkout: Bank Says It Was You?They use devices called “skimmers” or “shimmers” to steal card data, plus cameras or fake keypads to capture PINs. Sometimes they infect the terminals themselves with malware.
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Bank Froze Your Account After You Reported Fraud?If your bank froze your entire account after you reported fraud — that’s not protecting you, that’s re-victimizing you. And you don’t have to take it lying down.
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Stolen Mail Leading to Credit Card Fraud Isn’t Your Fault!Under the California Identity Theft Act (CITA), Cal. Civ. Code § 1798.92: You do not have to pay a penny on any debt that comes from identity theft.