Q: Is there a deadline/time limit to file a lawsuit?
Someone hacked my Bank of America account and fraudulently transferred $9,800 from my checking account to Mercedes Benz Financial Services in Illinois. Also, the hacker did a balance transfer using my Bank of America credit card for $5,200 at the same time, IP address, city and state. I contacted the bank immediately while both fraudulent transactions were still processing. They resolved the fraudulent credit card transaction and credited the money back, but the $9,800 wire fraud was denied. This has taken from Aug 15 2023 to the currant date so it has been 3 months, I’m now waiting for Consumer Financial Protection Bureau for a response and it has been 20 days since filing with CFPB.
I have been looking for an attorney to file a lawsuit but have not found one that will take the case. I am planning to file the lawsuit myself and would like to know if there is a deadline to file it by.
A: Yes, there is a time limit to file a lawsuit. The exact time limit will depend on what causes of action you state (e.g., which consumer protection laws you invoke). It would be rare for the time limit to be less than a year, but acting sooner is always better.
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