Has Randolph-Brooks Federal Credit Union (RBFCU) Refused to Refund Your Money After Your Account Was Hacked
Randolph-Brooks Federal Credit Union (RBFCU): Account Hacks, Unauthorized Transfers & Denied Fraud Claims
Attention RBFCU Members: Was Your Account Drained and Your Fraud Claim Denied?
If you are a Randolph-Brooks Federal Credit Union (RBFCU) member and money was moved out of your checking or savings account without your authorization, often through fast, hard-to-reverse RTP or Zelle "push" payments to a payee you never set up, you may have a claim under the Electronic Fund Transfer Act (EFTA), 15 U.S.C. section 1693, et seq.
We hear the same story from members again and again: a criminal takes over the account, drains it in minutes, and when the member reports the fraud, RBFCU denies the claim, calls the transfers "authorized," and refuses to refund the stolen money. In some denials, the credit union even treats the fingerprints of the takeover, a new device logging in, changed account information, a payee added moments before the money left, as its reason to deny the claim, and tells the member to "contact the merchant" when there was no merchant at all, only a person-to-person transfer.
That is not a lawful investigation, and that denial letter is not the end of your case. Under the EFTA, RBFCU is required to limit your liability when you report promptly, conduct a genuine investigation, provisionally credit your account when the law requires it, and hand over the documents it actually relied on to deny you. When a credit union cuts those corners, you may be entitled to repayment of your actual losses, plus up to $1,000 in statutory damages, plus (in some cases) triple damages, and even full payment of your attorney's fees by RBFCU, not you.
RBFCU has been on notice for a long time. RBFCU has publicly acknowledged a sharp rise in impersonation scams targeting its members, and local news has reported that hundreds of RBFCU customers say they were scammed and then refused refunds. Click on these recent stories and alerts about RBFCU members being targeted and scammed:
KENS 5 Investigation: "Hundreds of RBFCU Customers Have Been Scammed" (click here)
RBFCU Alert: "RBFCU Aims to Increase Awareness of Rising Impersonation Scams" (click here)
RBFCU Alert: "RBFCU Advising Community on Suspicious Texts and Phone Calls" (click here)
RBFCU Security & Fraud Center: "How to Report Fraud" (click here)
If RBFCU has refused to refund or reimburse unauthorized transactions on your account, call Attorney Joe Adams now at 215-996-9977. Location is not an object. No matter where you are located in the country, Attorney Adams can help as your RBFCU bank fraud and unauthorized transaction lawyer.
No Recovery, No Fee!
Pros of EFTA Class Action Lawsuits
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Collective Strength: Class actions allow a large number of affected individuals to combine their claims into one lawsuit. This collective approach can give plaintiffs more bargaining power against large financial institutions.
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Cost-Effective: For individual consumers, the cost of pursuing legal action for an EFTA violation might outweigh the potential recovery. A class action spreads legal costs across many plaintiffs, making it a more affordable option.
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Efficient Resolution: Rather than dealing with multiple lawsuits for the same issue, a class action consolidates claims into a single case. This can streamline court proceedings and lead to faster settlements or judgments.
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Uniform Relief: In cases where a company’s actions impact a large number of consumers in a similar way, a class action ensures that all victims receive compensation or relief without the need for each person to file a separate lawsuit.
Cons of EFTA Class Action Lawsuits
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Limited Control: Individual plaintiffs may have less control over the direction of the lawsuit. Decisions, such as settlement offers, are typically made by the class representatives and attorneys, not by each affected consumer.
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Lower Individual Payouts: Since compensation is shared among all members of the class, the amount each individual receives might be lower than what they could potentially recover in an individual lawsuit.
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Longer Timeframes: Class actions can take longer to resolve than individual cases, as they often involve complex legal procedures to certify the class and manage the large number of plaintiffs.
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Binding Outcomes: Once a class action is settled or resolved, all class members are bound by the outcome, even if the settlement is less than what an individual might have pursued on their own.
If you believe you’ve been affected by an unauthorized electronic transfer or a violation of your EFTA rights, you may be part of a larger group experiencing the same issues. Contact Attorney Joe Adams to discuss whether arbitration, class action or individual lawsuit is the best approach for your case.
We Are Currently Investigating Possible EFTA Violations Involving:
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Zelle Hack
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Bank of America Hack (BOA)
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Capital One Hack
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Venmo Hack
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Wells Fargo Hack
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Cash App Hack
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CitiBank Hack
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Chase Hack
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Randolph-Brooks Federal Credit Union (RBFCU)
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Navy Federal Hack: Disputes, Account Hacks, Stolen Money, Unauthorized Withdrawals, Debit Card Fraud, NFCU Refusal to Refund or Reimburse - Violation of the NFCU "Zero Liability Policy").
Click on these recent stories and videos about Navy Federal Credit Union customers being scammed:
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Fox News report: "Navy Federal Credit Union App Users Being Conned Out of Thousands By Criminals" (click here)
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Video: "Crooks Targeting People With Navy Federal App" (click here)
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Fox News report: "North Carolina Police Warn Public of Financial Scam at Navy Federal (click here)
Call Attorney Joe Adams Now at 215-996-9977
If your bank, credit union or financial institution has refused to refund or reimburse you for money stolen from your account, they may have violated the EFTA. Attorney Joe Adams is ready to fight for your financial rights. If Joe wins your case, the bank or credit union will pay his fee—not you.
List of Some Popular Mobile Apps and Peer-to-Peer (P2P) Payment Services Subject to EFTA Protection
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Amazon Pay
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Apple Pay
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Cash App
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Circle
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Facebook Pay
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Google Pay
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Green Dot Corporation
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PayPal
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Plaid (EFT facilitator for apps)
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​Popmoney
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Robinhood (for cash management and transfers)
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Samsung Pay
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Square
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Stripe
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Venmo
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Zelle (bank-backed EFT service)
List of Popular Banks and Credit Unions Subject to EFTA Protection
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Ally Bank
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Alliant Credit Union
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Amalgamated Bank
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American Express Bank
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Aspiration
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Axos Bank
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Bank of America
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Bank of the West
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Banner Bank
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Barclays Bank Delaware
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Beneficial
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BBVA (Spain)
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BBVA USA (now PNC)
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BOK Financial (Bank of Oklahoma)
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Boeing Employees Credit Union (BECU)
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BNP Paribas (France)
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Capital One
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Capital Federal Savings Bank
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Chime
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CIT Bank
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Citibank
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Citizens Bank
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Coastal Federal Credit Union
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Columbia Bank
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Comerica Bank
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Credit Suisse (Switzerland)
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Current
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Desert Financial Credit Union
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Deutsche Bank (Germany)
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Discover Bank
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Dime Community Bank
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Dollar Bank
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Fifth Third Bank
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First Horizon Bank
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First National Bank of Omaha (FNBO)
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First Savings Bank
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First Tech Federal Credit Union
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Flagstar Bank
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Fulton Bank
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Goldman Sachs (Marcus)
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Golden 1 Credit Union
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Great Southern Bank
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HSBC Bank USA (UK)
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Hudson City Savings Bank
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Huntington National Bank
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ICBC (China)
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JPMorgan Chase
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​​​KeyBank
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M&T Bank
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Midland States Bank
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Mizuho Bank (Japan)
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Monzo
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Morgan Stanley Private Bank
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MUFG Union Bank (Japan)
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Navy Federal Credit Union (NFCU)
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NBT Bank
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Northwest Savings Bank
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OceanFirst Bank
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ONBE / North Lane Technologies / Salary at Sea
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OneWest Bank
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Pathward
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Pentagon Federal Credit Union (PenFed)
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Peoples Bank
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People’s United Bank
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PNC Bank
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Provident Bank
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RBC Bank (Canada)
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Randolph-Brooks Federal Credit Union (RBFCU)
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Regions Bank
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Revolut
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San Diego County Credit Union
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Santander Bank (Spain)
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Schools First Federal Credit Union
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Schwab
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Simple Bank (acquired by BBVA)
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SoFi Bank
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Spruce Bank
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State Employees’ Credit Union (SECU)
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Synchrony Bank
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TD Bank (Canada)
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Third Federal Savings & Loan
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TIAA Bank
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Truist (BB&T and SunTrust merger)
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TruMark Financial Credit Union
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Trustmark National Bank
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U.S. Bank
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Umpqua Bank
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University Federal Credit Union
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Univest
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Valley National Bank
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Varo Bank
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VyStar Credit Union
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Wells Fargo
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Wings Financial Credit Union