Consumer Protection

Bank Account Drained After a Stolen Phone or Account Takeover?

Federal Electronic Fund Transfer Act (EFTA)

Last reviewed October 2026 by Rausa Russo Law

Your bank said no.
That may not be the last word.

If your bank refused to refund money taken after your phone was stolen or someone took over your online banking, federal law may give you rights, including the bank's duty to investigate your claim. Tell us what happened. It takes about two minutes, and the consultation is free.

Want to read first? See our guide, My Phone Was Stolen and My Bank Account Was Drained: Your Rights, or our overview of unauthorized bank debits.

What to Have Ready
  • The dates: when the money left, when you learned of it, and when you reported it
  • Any letters, emails, or messages from your bank about your claim
  • Police reports or FTC identity theft reports, if you filed them
  • Confirmation numbers or notes from your reports to the bank

You do not need all of this to get started. We handle cases in courts where our attorneys are admitted. For matters outside our jurisdiction, we work with trusted consumer protection attorneys in your area.

Free Case Review

Takes about two minutes. No obligation.

Step 1 of 3 - Your Contact Information

Is this a cell phone? *

How It Works


1

Submit This Form

About two minutes. No obligation.

2

An Attorney Reviews It

An attorney reviews what you tell us and, subject to availability, contacts you to discuss your situation.

3

We Discuss Your Options

If we can help, we explain your options and the fee structure at the consultation.

Common Questions

Is the case review free?

Yes. The consultation is free, and submitting this form does not obligate you to anything. A free consultation does not guarantee representation.

Is what I share confidential?

We handle inquiries with care, and the law generally protects information a prospective client shares with a law firm. Because submitting this form does not create an attorney-client relationship, please describe what happened in general terms and do not include account numbers or passwords.

What if I was tricked into sending the money?

Tell us anyway. Transfers you were tricked into sending may be treated differently from transfers made without your involvement, and the rules can depend on the type of transfer and the facts. An attorney can review what happened with you.

Learn More

Sources

Bank Refused to Refund Stolen Money?

If money was taken from your account after a stolen phone or account takeover and your bank will not put it back, you may have rights under federal law. Contact Rausa Russo Law for a free consultation.

Related Practice Areas

Unauthorized Bank Debits (EFTA) Identity Theft Electronic Fund Transfer Act
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