Your Rights · FinanceBank denied your fraud claim?
Demand a refund.
Regulation E demand letter and escalation plan — ready in 5 minutes.
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Regulation E
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Instant delivery to your emailThe Problem
Your bank says it was 'authorized' — but it wasn't you.
Money was taken from your account without permission
A fraudulent transaction cleared, and now your balance is missing money you worked for.
The bank denied your claim, saying it was 'authorized'
They claim the transaction was made by you or with your consent. You know it wasn't.
You don't know how to force them to refund you
Regulation E protects you — but you need a formal demand letter that cites the law.
You don't know what evidence to gather
A strong case requires the right documents. Without them, the bank will ignore you.
What You Get
Regulation E Demand Letter
Formal letter to your bank citing federal law and demanding a refund.
Your Legal Rights
Know your protections under the Electronic Fund Transfer Act.
Evidence Checklist
What documents you need to prove your case.
Escalation Plan
CFPB, OCC, state AG, and small claims court options.
Provisional Credit Request
How to get your money back while they investigate.
60-day Rule
Know the deadline to preserve your rights.
How It Works
1
Answer 5 quick questions
About the fraud, amount, and bank.
~2 minutes2
AI builds your demand letter
Regulation E letter, rights summary, and evidence checklist.
~20 seconds3
Download and send
Customize, mail certified, and follow the escalation plan if needed.
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reporting window
5 min
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Questions
Everything you need to know.
Is this legal advice?
This is not legal advice. It provides information about your rights and practical tools to help you respond. For specific legal questions, consult a consumer attorney.
What is Regulation E?
A federal law that protects consumers from unauthorized electronic fund transfers. It limits your liability to $50 if you report the fraud within 60 days of your statement. The bank must investigate and refund your money.
What if I already missed the 60-day deadline?
You may still have rights, but the bank could argue you're liable for the full amount. The guide includes arguments to make if you're past the deadline (e.g., the bank failed to send statements).
What if the bank still refuses?
The escalation plan shows you how to file complaints with the CFPB, OCC, your state attorney general, and even small claims court. Most banks settle once a complaint is filed.
Do I need to file a police report?
It helps. A police report adds weight to your claim. The guide includes a template for filing a report online or in person.
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