Though we’d like to think that we live in a time where our private information is secure, this is, unfortunately, not the case. If you recently found an unauthorized credit card transaction on your credit card statement, the time to act is now. Read on and contact 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 help if your lender fails to remedy the issue.
Taking Action After Noticing Unauthorized Credit Card Transactions
The first thing you should do upon noticing an unauthorized credit card transaction is report the discrepancy to your credit card company and dispute the transaction, and you must do so within 60 days of receiving your credit card statement. Typically, this should be enough to reimburse you for the fraudulent activity. However, in some cases, credit card companies will refuse to fix the dispute, in which case you should strongly consider speaking with an experienced Arroyo Grande consumer lawyer as soon as you can.
When a Credit Card Company Refuses to Fix an Unauthorized Transaction
If your credit card company refused to fix and reimburse you for an unauthorized transaction, you shouldn’t try to handle the matter on your own. Our firm has significant experience handling these disputes, and we are prepared 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 detailed 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 can help you draft this letter. That said, if filing a complaint with the lender does not entirely resolve the issue, depending on the circumstances of your case, we 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.