Loker Law

Unauthorized Transactions in California

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Mobile payment: a person in a pink shirt holding a smartphone in one hand and a credit card in the other, possibly making an unauthorized online transaction or managing finances.

Most of us like to believe that our personal information is protected, however, unfortunately, that is not always the case. If you have found an unauthorized credit card transaction on your credit card statement, it is in your best interest take action to protect your financial future. Continue reading and reach out to a California unauthorized credit card transactions lawyer from Loker Law, APC to discuss the details of your situation further and the best course of action for you. We are on your side.

What should I do after an unauthorized credit card transaction?

Our legal team understands the stress and heartbreak that can overwhelm an individual when they find out that their credit card was used without consent. If you are in this position, the first step you should take upon noticing an unauthorized credit card transaction reports the discrepancy to your credit card company and dispute the transaction, and you must do so within 60 days of obtaining your credit card statement. Typically, this should be good enough to reimburse you for the fraudulent activity. You will want to recognize, however, that in some cases, credit card companies will refuse to resolve the conflict. If this happens, you will want to reach out to our firm today to speak with one of our consumer law attorneys about the facts of your case and the possible solutions.

What if a credit card company refuses to fix the unauthorized transaction?

If your credit card company failed to fix and refund you for an unauthorized transaction, you should not try to handle the issue by yourself. Our legal team has significant experience handling disputes just like this, and we are prepared to put that experience to work for you. According to the Fair Credit Billing Act, you have the legal right to dispute any credit billing error, but must first write a clear letter regarding the specifics of the unauthorized transaction and send it to the Billing Dispute address on the back of your monthly statement within 60 days of receiving the statement in question. Our firm is capable of helping you draft this letter. As a result, if filing a complaint with the lender does not completely settle the issue, depending on the details of your case, our firm can bring a lawsuit against your financial institution in an effort to have them resolve the charge.

Contact a California Consumer Lawyer

If you are facing any sort of consumer-related issue, such as one involving identity theft, a credit report dispute, or you need a debt collection defense attorney to fight for you, our firm is ready to help. Contact Loker Law, APC today to schedule your initial consultation with our experienced legal team.

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