person on computer holding credit card

For most Americans, the idea of filing a lawsuit can be incredibly overwhelming. Not only does this often seem like an expensive endeavor, but it can also be time-consuming. However, if you find errors or charges you don’t recognize on your credit card statement, it can be nerve-wracking. Despite trying to resolve the matter on your own, it may be necessary to connect with a credit dispute attorney to help you recover the funds you are entitled to. The following blog explores the common reasons you may need to connect with a San Diego consumer lawyer and when it’s necessary to obtain this legal representation.

Why Might I Need to Dispute a Credit Card Charge?

Generally, you may need to dispute a credit card charge in the event of an error or unauthorized purchase.

For example, if a charge is listed twice or you are still charged for a canceled order,  you may be able to dispute the inclusion of that charge to your billing statement. However, if you are the victim of identity theft, meaning someone accessed your credit card information to make unauthorized purchases in your name, this can appear on your credit statement. As such, you may need to provide evidence this information should not be included.

At What Point Should I Connect With a Credit Dispute Attorney?

If you file a dispute with your bank or credit card company over a charge that should not be included in your statement, you may be shocked to learn that the dispute was denied. When disputing a charge, it’s important to understand that you must include considerable information proving you are not responsible for the charge. If you submitted adequate evidence to support your claim but your dispute is still rejected, it’s in your best interest to connect with an experienced consumer attorney to assist you through these matters.

Not only can an attorney help determine what laws are in your favor when suing a credit card company or financial institution for their failure to ensure your statements are accurate, but they may also be able to assist you in recovering financial compensation for any damages you have suffered as a result. For example, you may find that if the company failed to properly investigate the dispute or provide a reason that the dispute was denied, this may be a violation of the Fair Credit Billing Act, which is a federal law in place to protect consumers. Not only can they help have the unauthorized charges or errors removed from your statement, but they can also help you recover compensation as protected under these laws.

If you have sustained damages because a credit company or bank failed to help you through these matters, the team at Barthel Legal can help you fight for the compensation you deserve. Connect with our team today to learn how we can help you through these times.