Credit Card Fraud | Law Office

Fight Credit Card Fraud With an

FCBA Lawyer

Get Your Money Back — And Let

the Bank Pay the Legal Fees

Have You Been Scammed or Charged Fraudulently?

Was your credit card hacked or used without permission?
Did your credit card company refuse to issue a refund or chargeback?
Are you unsure what your rights are under the Fair Credit Billing Act (FCBA)?

If your credit card was compromised and your bank failed to reimburse you, they may be in violation of federal law — specifically, the Fair Credit Billing Act (FCBA). This could entitle you to financial compensation, including actual and statutory damages.

Call Attorney Joe Adams today at (215) 996-9977 for a free case evaluation.
✅ No legal fees unless Joe wins your case.

⚖️ What Is the Fair Credit Billing Act (FCBA)?

The Fair Credit Billing Act (FCBA) is a federal law that protects consumers from unauthorized or incorrect charges on their credit card and revolving credit accounts. It provides legal remedies when creditors fail to resolve billing disputes properly.

🔍 Key FCBA Protections:

1. Correction of Billing Errors

The FCBA requires banks and credit card issuers to investigate disputed charges if you notify them in writing within 60 days of the statement date. Errors covered include:

Unauthorized transactions
Charges for goods not received
Charges for items not delivered as agreed
Math errors and duplicate charges

2. Refunds or Credits

If the charge is found to be improper, the creditor must remove the charge, including any related fees or interest. You’ll receive a full credit or refund for the unauthorized charge.

3. Actual Damages

You may recover money for:

Late fees
Interest charges
Out-of-pocket losses
Emotional distress

4. Statutory Damages

In cases of willful violations, you may be entitled to statutory damages, even if your actual loss was small. This is additional compensation provided by law.

5. Attorney’s Fees and Legal Costs

If Joe wins your FCBA case, the law requires the bank or credit card company to pay your attorney’s fees. That’s why you pay nothing — win or lose.

📩 Important Deadlines & Requirements

Written Notice: You must send a written dispute to the correct billing address provided by your card issuer — not just call customer service.
60-Day Rule: The dispute must be sent within 60 days after the statement date showing the error.
One-Year Deadline: Legal action must generally be filed within one year of the violation.

Don’t Let the Bank Deny You What You Deserve

If your credit card was hacked or used fraudulently, and your bank or credit card company won’t refund the charges, you have rights.

📞 Call Attorney Joe Adams now at (215) 996-9977
💰 No fees unless Joe wins