Lawsuits against Banks and Lenders

We Sue Banks—And We Win.

Fighting back when banks cross the line.
If you’ve been mistreated, misled, or financially harmed by a bank, we’re the law firm that holds them accountable.

Who We Are

Humphreys Wallace Humphreys P.C. is award winning, nationally recognized consumer protection law firm focused on helping consumers in Santa Fe and all of New Mexico and Tulsa, Oklahoma.  Our mission is to take on powerful financial institutions on behalf of individuals and small businesses. When banks abuse their power—through fraud, wrongful foreclosure, illegal fees, predatory lending, or other misconduct—we step in.

With a track record of successful settlements and courtroom wins, our mission is simple: Justice for real people. Accountability for big banks.

Our Focus

✅ Electronic Funds Transfer Act Cases (EFTA)

Did you know that Banks and other financial institutions have a duty, and therefore must investigate allegations of electronic fund transfer errors, determine whether an error occurred, report the results to the consumer, and correct the error within certain timeframes under the EFTA?  At HUMPHREYS WALLACE HUMPHREYS PC we represent consumers who have had unauthorized electronic transfers — like ATM withdrawals, debit card purchases, or online banking transactions — that drain your account.  Banks and financial institutions often fail, refuse, or outright engage in sham investigations of reported unauthorized or fraudulent financial transactions.  You have rights under the rights EFTA and our law firm is here to protect you and hold the banker accountable.

If your bank ignored your complaints or refused to reimburse you for unauthorized charges, you may be entitled to recover your money — plus damages, attorney’s fees, and other relief. We are experienced in holding financial institutions accountable for breaking these laws. 

Common EFTA Violations

✅ Unauthorized transactions the bank refused to refund
✅ Failure to investigate or resolve reported errors
✅ Delays in re-crediting funds after an error
✅ Improperly freezing or closing your account
✅ Failure to provide required disclosures about your rights

Other types of bank and lender cases we handle:

✅ Wrongful Foreclosure
Banks sometimes cut corners or violate the law when taking homes. We make them answer for it.

✅ Unauthorized Fees & Charges
Hidden fees, surprise overdrafts, or charges you never agreed to? That’s not just shady—it can be illegal.

✅ Wrongful Collections

Banks sometimes seek to collect amounts you do not owe

✅ Misapplied Payments

Banks sometimes misapply payments and then try to force you to pay more or treat your account as though you defaulted

✅ Failing to Apply Payments

Banks sometimes fail/refuse to timely post payments and then charge you late fees 

✅ Predatory Lending
If you were targeted with unfair, high-risk loans, we can investigate and pursue legal remedies.

✅ Bank Account Freezes or Errors
When banks wrongly freeze your funds or report errors, it can devastate your life. We can help make it right.

✅ Fraud & Deception
From misrepresentation to outright fraud, we hold banks to the truth—and the law.

Here is What You Can Do:

There are many state and federal laws that protect consumers when banks engage in fraudulent, deceptive, unfair or oppressive conduct.  Some of the laws that provide protections to consumers require that you take steps immediately to protect your rights.  We have been suing banks for many years and are ready to evaluate your specific situation.  Contact Humphreys Wallace Humphreys P.C., Trial Lawyers and Consumer Advocates  in Santa Fe, New Mexico or Tulsa, Oklahoma for a consultation.