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Consumer Fraud Lawyers
Credit Card Fraud
Consumers who use credit cards may be at risk to suffer damages as result of deceptive and fraudulent practices of credit card companies. Credit card fraud often results in devastating consequences that may significantly affect consumers finances as well as their credit ratings.
Credit card fraud tactics
Credit card companies use many tactics to defraud consumers. Deceptive credit card fraud practices include:
Hidden fees for cash advances, balance transfers, and other cash transactions that are often disclosed only in the fine print. According to Consumer Reports, Americans pay an annual $31 million in credit card fees.
Masked APRs. Many credit card companies claim to have low introductory Annual Percentage Rates ("APRs"), but it may only be a short-term rate that hides the regular APR.
Late fees. In many states, credit card companies are not allowed to charge late fees under state usury laws. To get around this, companies set up headquarters in states where laws are more relaxed. If you've been charged a late fee in a state that does not allow them, you have the right to take legal action.
Double charging. Sometimes, creditors will charge you twice for one item.
Fail to properly credit past payments to account. By holding payments for deposit until they are late, companies can fraudulently collect additional charges.
Charging for unknown items. Sometime creditors will bill consumers for items that were never purchased or received.
What are my legal rights?
Consumers are protected against credit card fraud under state and federal laws. Also, the Fair Credit Billing Act (FCBA) sets forth rules and regulations for proper billing practices, requires the immediate correction of billing errors, and protects consumer's credit scores while they settle disputes with creditors. The FCBA provides for damages including twice the amount of finance charges (up to $1,000) in addition to court costs and attorney fees.
