We Are Attorneys Who Can Help When Your Bank Account Is Compromised.
We Protect Your Rights. We Recover What's Yours.
In today's digital world, bank account hacks are more than just an inconvenience — they are deeply violating and can cause serious financial and emotional harm. If your bank account has been compromised, you deserve a law firm that not only understands the legal complexities but also fights for your rights.
At Golden & Cardona-Loya, LLP, we help individuals across California who have suffered from unauthorized transactions, identity theft, wire fraud, and other forms of financial account breaches. Our attorneys combine extensive knowledge of state and federal consumer protection laws with practical experience navigating disputes with banks, credit unions, and financial institutions.
Your Bank Has a Duty — We'll Hold Them Accountable
Banks are legally obligated to protect your accounts and investigate fraud in a timely, fair manner. When they fail to do so, you have rights. Under laws such as the Electronic Fund Transfer Act (EFTA) and California's Unfair Competition Law, we can take action to recover your lost funds and hold negligent institutions accountable.
How We Can Help
- Immediate Legal Guidance — We assess your situation and help you take the right next steps to preserve evidence and assert your rights.
- Bank Dispute Representation — We handle communications and negotiations with your financial institution, demanding a thorough and fair investigation.
- Litigation Support — If necessary, we are prepared to litigate aggressively to recover stolen funds and pursue damages.
- Identity Theft & Credit Protection — We advise on steps to protect your identity and financial future, minimizing long-term impact.
Why Clients Trust Golden & Cardona-Loya, LLP
- Experienced Consumer Rights Attorneys
Our legal team has successfully represented many Californians facing financial fraud. - Usually No Upfront Fees
We handle most cases on a contingency basis — you don't pay unless we recover for you. - Personalized, Compassionate Service
We understand how stressful this experience can be. Our team listens carefully and keeps you informed at every step.
If your bank account was hacked, time matters. The sooner you act, the better your chances of recovery. Let us fight to protect what's yours.
Contact Golden & Cardona-Loya, LLP today for a free, confidential consultation.
Call 619-476-0030 or schedule online.
What Type of Recovery Might You Expect:
The EFTA is a federal law enacted to protect consumers regarding unauthorized transactions. If an electronic fund transfer took place on one of your personal accounts and was initiated by another person without your authority to initiate such transfer and from which you received no benefit, you may have a claim under the EFTA.
In order to recover damages under the EFTA, it is important to take action in a timely manner. Therefore, if you have or are currently dealing with a matter that involves unauthorized transactions in regards to your financial accounts, please contact us now for a free consultation.
A financial institution that fails to comply with the EFTA may be liable to a consumer for an amount equal to the sum of: actual damages sustained by the consumer a result of the failure, a statutory amount not less than $100 nor greater than $1,000; and your attorneys' fees and costs.
For actual damages, this could include the result of any missed payments, effect to your credit, time and effort, emotional distress, physical effects, medical effects, and so on. In the case of a successful action, the costs of the action, together with reasonable attorneys' fees can be awarded.
Under the EFTA, you may also be entitled to treble damages (3x your actual/compensatory damages). If the financial institution did not provisionally recredit a consumer's account within the ten-day period, and the financial institution did not make a good faith investigation of the alleged error, or did not have a reasonable basis for believing that the consumer's account was not in error then you may be entitled to treble damages. Or if the financial institution knowingly or willfully concluded that the consumer's account was not in error when such conclusion could not reasonably have been drawn from the evidence available at the time of its investigation you may be entitled to treble damages.