Loker Law

What Should I Do if There Was an Unauthorized Transaction on My Credit Card?

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While many of us trust that our private information is secure, unfortunately, that is not always the case. If you have found an unauthorized credit card transaction on your credit card statement, do not wait to take action. Continue reading and reach out to a California unauthorized credit card transactions lawyer from Loker Law, APC to learn more about unauthorized credit card transactions, what to do if you discover one, and how our firm can best help you.

What steps should I take after an unauthorized credit card transaction?

Our firm recognizes the stress and panic that can overcome an individual when they find out that their credit card was used without permission. If you are in this situation, 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. Generally, this should be sufficient enough to reimburse you for the fraudulent activity. Keep in mind, however, that in some cases, credit card companies will decline to resolve the conflict. If this occurs, it is in your best interest to reach out to our firm today to speak with one of our consumer law attorneys about the details of your case and your options.

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

If your credit card company declined to fix and refund you for an unauthorized transaction, you should not attempt to handle the issue on your own. Our firm has substantial experience managing disputes like this, and we are equipped to put that experience to work for you. Under 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 able to assist you with drafting this letter. Because of this, if filing a complaint with the lender does not completely resolve the issue, depending on the circumstances of your case, our firm can bring a lawsuit against the financial institution in question in an effort to have them reverse the charge.

Contact a California Unauthorized Credit Card Transactions Lawyer

For any further questions, or if you need an attorney to help you navigate these complex waters, please do not hesitate to contact Loker Law, APC today. Our consultations are free, and if we win your case, lawyer’s fees should also be covered. We are here to guide you through this stressful time and ensure your finances and privacy are protected.

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