Protect Your Rights and Finances with a Credit Card Fraud Lawyer
Credit card fraud is one of the fastest-growing financial crimes in the U.S., affecting millions of consumers each year. From unauthorized charges to full-blown identity theft, the consequences can be devastating lowered credit scores, denied loans, or financial losses that take months (or years) to recover from.
What Is Credit Card Fraud?
Credit card fraud occurs when someone uses your credit card or account information without permission. It can happen in many ways, including:
- Unauthorized online or in-store purchases
- Stolen or cloned cards
- Phishing scams or hacked accounts
- Identity theft leading to new accounts opened in your name
- Data breaches exposing your personal information
Even small fraudulent charges can signal bigger problems and should never be ignored.
The Impact of Credit Card Fraud on Consumers
The effects of fraud can go far beyond financial loss. Victims may experience:
- Damaged credit scores due to unpaid fraudulent accounts
- Difficulty obtaining loans, mortgages, or employment
- Stress and time lost disputing charges
- Risk of repeated fraud if personal data isn’t secured
Without legal help, many consumers struggle to fully recover.
Your Rights Under the Law
Federal law provides important protections for credit card fraud victims:
- Fair Credit Billing Act (FCBA): Limits your liability for unauthorized charges to $50 if reported promptly.
- Fair Credit Reporting Act (FCRA): Requires credit bureaus to investigate and correct fraudulent credit information.
- Identity Theft Protections: Victims can dispute fraudulent accounts and block them from appearing on reports.
Unfortunately, banks, credit card companies, and reporting agencies don’t always honor these rights without pressure. That’s where legal support matters.
How a Credit Card Fraud Lawyer Can Help
At Sanders Law Group, our attorneys work aggressively to protect fraud victims by:
- Investigating fraudulent charges or accounts
- Filing disputes with banks, creditors, and credit bureaus
- Demanding correction of inaccurate credit reporting
- Seeking compensation when consumer rights are violated
- Guiding clients through recovery to restore financial stability
Steps to Take If You’re a Victim of Credit Card Fraud
If you suspect fraud, act quickly:
1. Contact your bank or credit card issuer to report unauthorized charges.
2. Request fraud alerts and a credit freeze from major credit bureaus.
3. File a written dispute with supporting evidence.
4. Keep detailed records of all communications.
5. Call an attorney if your disputes are ignored or your credit remains damaged.
Why Choose Sanders Law Group?
We know how frustrating and overwhelming financial fraud can be. Our team has deep experience handling cases under the FCRA and consumer protection laws, ensuring your rights are fully enforced. We work to not only stop fraudulent activity but also to restore your credit and financial peace of mind.