Unauthorized Bank Transactions Guide

Summary

Unauthorized transactions should be reported to your bank immediately under the Electronic Fund Transfer Act. If unresolved, report to local law enforcement as theft. Consult a lawyer for further advice.

Full Conversation

well I’ve recently noticed over $2k that was put in direct deposit which I did it that way for a reason but then so many different transactions have been made without any of my knowledge and I’ve filed several disputes over it sent proof of everything proving it wasn’t me or anything I approved and also proof of documents from these different merchants stating I either don’t have an account with them or it wasn’t me that made it but it won’t be approved chime has lied and not even went the correct way in the dispute process by contacting these other merchants either I’ve been told
What state are you located in, ****? This will help me provide the most accurate information regarding your legal rights in this situation.
ky
What specific actions have you taken with your bank regarding these unauthorized transactions?

In Kentucky, unauthorized transactions should be reported to your bank immediately. They have obligations under the Electronic Fund Transfer Act.
tried resolving the issue with the merchants first but where it wasn’t me or no transaction id numbers are given they’ve recommended me to filing disputes I’ve rebutted them as well and told no error was made in the outcome
Have you reported these unauthorized transactions to your local law enforcement agency?

In Kentucky:
- Unauthorized transactions are considered theft.
- Report to local law enforcement.
- Contact Jefferson County Courthouse at (*) *-* for further assistance.
no I didn’t want to have to go that route
I understand your hesitation, ****. However, reporting to law enforcement can be crucial in such cases. Have you considered consulting a lawyer for advice?