CALIFORNIA UNAUTHORIZED CREDIT CARD TRANSACTION ATTORNEYS

At R23 Law, we specialize in protecting consumers from unauthorized credit card transactions resulting from identity theft.

Unauthorized credit card transactions occur when charges are made on your account without your consent, often due to criminals obtaining your personal information through phishing scams, malware, or data breaches.

Our experienced legal team is dedicated to helping you recover stolen funds and secure your financial future. We provide expert representation to hold responsible parties accountable and ensure your rights are protected.

At R23 Law, we understand the stress and financial hardship that unauthorized credit card transactions can cause. Our legal team is experienced in handling these complex cases, and is dedicated to helping you recover your lost funds and prevent further fraudulent activity. We will ensure you receive the justice and compensation you deserve.

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In today's world, the security of our personal information is more critical than ever, yet unauthorized credit card transactions remain a persistent issue. If you've recently noticed an unfamiliar charge on your credit card statement, it's essential to act swiftly.

It is always good idea to contact a California Unauthorized Credit Card Transactions Attorney, including us at R23 Law. We can provide the support you need if your credit card issuer fails to address the problem.

Steps to Take When You Discover Unauthorized Credit Card Charges

Upon discovering an unauthorized charge on your credit card, your first step should be to notify your credit card company and dispute the transaction. This needs to be done within 60 days of receiving your credit card statement. Generally, this should be sufficient to get reimbursed for the fraudulent charge. However, there are instances where credit card companies may refuse to correct the dispute. In such cases, consulting with an experienced California consumer protection attorney is advisable.

Dealing with Credit Card Companies That Deny Your Claim

Credit card companies often fail to be helpful in resolving unauthorized transactions due to a variety of factors. One reason is the sheer volume of claims they receive, which can lead to delays and insufficient attention to individual cases. Additionally, credit card companies may prioritize their own financial interests, leading them to deny valid claims to avoid reimbursing funds. The bureaucratic processes and stringent documentation requirements can also discourage consumers from pursuing their claims effectively. Furthermore, some companies may lack robust systems and trained personnel to handle fraud disputes efficiently, resulting in inadequate support for victims. This combination of high claim volumes, financial motives, bureaucratic hurdles, and inadequate resources often leaves consumers feeling frustrated and unsupported.

If your credit card company denies your claim and refuses to reimburse the unauthorized transaction, it is important not to try to resolve the matter alone. Our firm has extensive experience handling these disputes and is ready to assist you.

Available Legal Options

Under the Fair Credit Billing Act (FCBA), you are entitled to dispute any billing errors. To do this, you need to:

Submit a Detailed Dispute Letter: Write a letter outlining the specifics of the unauthorized transaction, including your name, address, account number, and the date of the transaction. This letter must be sent to the Billing Dispute address provided on your monthly statement within 60 days of receiving the statement.

If your case involves broader issues of credit reporting and financial institution negligence, there are additional legal protections and actions you can take:

Fair Credit Reporting Act (FCRA): If an unauthorized transaction impacts your credit report, the FCRA provides you the right to dispute inaccuracies with credit reporting agencies. We can help you file a dispute with the relevant credit bureaus to ensure your credit report is corrected.
California Identity Theft Act (CITA): This act offers victims of identity theft the ability to seek damages for fraudulent transactions. Under CITA, we can pursue compensation for financial losses and emotional distress caused by the theft.
Rosenthal Fair Debt Collection Practices Act (Rosenthal Act): If you are harassed by debt collectors due to unauthorized transactions, the Rosenthal Act provides protections against unfair collection practices. Our firm can help you address any harassment and pursue damages if your rights under this act have been violated.

Contact a California Unauthorized Credit Card Transactions Attorney

For more information or if you need legal assistance navigating these complex issues, contact R23 Law today. Our initial consultations are free, and if we win your case, our fees will be covered. We are here to help you through this challenging time and to ensure your financial interests and personal privacy are protected.