Your bank failed you.
We'll hold them accountable.
Banks have a legal duty to protect your money. When they refuse to reimburse unauthorised transactions, we step in.
You may be entitled to full compensation — plus interest.
$569M+
Lost to bank fraud in 2024 (Canada)
40%
Of claims are wrongly denied
67%
Victims don't recover their funds
$0
Upfront fee — we only get paid when you win
Source: Canadian Ombudsman for Banking Services and Investments (OBSI)
Banks often blame the victim
Under Canadian banking regulations, financial institutions must reimburse customers for unauthorised transactions — unless they can prove the customer was at fault. Yet many banks routinely deny valid claims, citing vague "negligence" or "failure to protect credentials."
Automatic Denials
Many banks use automated systems that reject claims without proper investigation.
Blame the Customer
Banks often claim you were "negligent" — even when you followed all security protocols.
Delays & Stalling
Banks drag out the process, hoping you'll give up. We know the timelines and force action.
Legal Loopholes
Banks use complex terms and conditions to avoid liability. We interpret the law to your benefit.
Banks refused to help — until we stepped in
These are real cases where we forced banks to reimburse clients after they unfairly denied claims.
Phishing Scam — Bank Blamed the Customer
A client fell for a sophisticated phishing email that looked exactly like his bank's communication. The bank refused to reimburse $45,000, claiming he was "negligent." We proved otherwise and recovered the full amount.
"They said I should have known better. Reclaimo showed them the law."
Unauthorised Wire Transfer
A fraudster gained access to a client's online banking and wired $78,000 overseas. The bank denied liability, saying the client "must have shared credentials." We challenged the bank's security protocols and won.
"I didn't share anything. The bank had a security flaw."
Identity Theft — Bank Refused to Investigate
A client's identity was stolen, and the thief drained multiple accounts. The bank refused to investigate, claiming the client "should have monitored more closely." We forced the bank to reimburse $120,000.
"I didn't know what to do. Reclaimo fought for me."
We don't ask. We demand.
1. Case Assessment
We review your bank's denial and gather all relevant documents, emails, and transaction records.
2. Legal Analysis
We identify violations of banking regulations, consumer protection laws, and industry standards.
3. Formal Challenge
We file complaints with the bank's internal dispute team, escalate to the Ombudsman (OBSI), and, if needed, initiate legal proceedings.
4. Recovery & Interest
We secure your refund, plus any interest and compensation you're owed — and you only pay us if we succeed.
No upfront fees. We only get paid when you win.
Our expertise and determination
Licensed Solicitors
Our team is regulated by the Law Society of Ontario and has deep knowledge of banking law.
OBSI Experience
We have filed hundreds of complaints with the Ombudsman and know exactly how to win.
Aggressive Timelines
We don't let banks stall. We enforce strict deadlines and escalate when needed.
No Recovery, No Fee
You pay nothing unless we successfully recover your funds. True partnership.
Has your bank unfairly denied your claim?
The bank says "negligence" or "failure to protect" but doesn't provide specifics.
The bank takes months to respond, hoping you'll give up.
The bank doesn't appear to have actually investigated the incident.
The bank offers a partial refund or goodwill payment far less than your actual loss.
If you recognise these signs — contact us immediately. We can still overturn the decision and recover your money.
“My bank refused to reimburse $50,000 that was stolen from my account. Reclaimo took over and within 8 weeks, the bank paid me back in full — plus interest. I can't thank them enough.”
— Former Client, Toronto
Frequently Asked Questions
We handle unauthorised transactions, wire fraud, identity theft, phishing attacks, and disputes where banks refuse to reimburse losses due to security failures or negligence.
We work on a "No Recovery, No Fee" basis. You pay nothing upfront. Our fee is a percentage of the amount we successfully recover for you — and we only charge after you receive your funds.
Typically 4–12 weeks, depending on the bank's response time and the complexity of the case. We push for resolution quickly.
That's where we come in. We can challenge the denial by filing a formal complaint with the bank's internal dispute team, escalating to the Ombudsman (OBSI), or taking legal action.
Absolutely. We adhere to strict privacy and confidentiality protocols (PIPEDA, GDPR). Your information is safe with us.
While bank liability typically covers fiat currency, we also have expertise in crypto-related banking disputes. Contact us to discuss your specific situation.
Don't let your bank get away with it
No upfront fees. Confidential case review.
Time limits apply — the sooner you act, the more we can recover.
Request Your Free Case Review+1 (416) 123-4567 | info@reclaimo.org