Credit Card Dispute Lawyer

Looking for Lawyers for credit card disputes?

Our law firm specializes in representing clients in cases of credit card fraud and other related disputes. As attorneys for credit card disputes, we serve clients in Chicago, Illinois, and across the nation. If you need a credit card dispute lawyer, don’t hesitate to contact us for professional legal guidance and representation.

Common Credit Card Disputes

Don’t let common credit card disputes catch you off guard. Call on our expert lawyers for credit card disputes to help you navigate any issue!

Fraudulent Charges: Like with debit cards, fraudulent charges are a common type of credit card dispute. This occurs when someone makes a purchase on a credit card without the cardholder’s knowledge or consent. Credit card fraud can occur in a variety of ways, such as through online hacking or skimming devices placed on card readers.

Billing Errors: Billing errors occur when the amount charged to a credit card is incorrect or when there are duplicate charges. This could be the result of a processing error on the part of the bank or merchant, or a mistake made by the cardholder when entering their information.

Disputed Charges: Disputed charges refer to any purchases or transactions that the cardholder does not recognize or does not agree with. This could be the result of a merchant charging the wrong amount, charging for a service or product that was not received, or other discrepancies in the transaction.

How It Works

Intake Form – You contact us and fill out a simple and quick client intake form that collects information about your dispute.
Demand Letter – We send a demand letter to the bank or credit card company requesting a full refund, plus damages for your inconvenience.
File Arbitration – If the bank does not provide us with a reasonable settlement, then we file an arbitration case against them.
Litigation – We prepare your case by submitting evidence and making legal arguments to an arbitrator. Most cases are arbitrated without a live hearing.
Arbitrator’s Decision – The arbitrator will make a final decision on your case. The entire process typically takes a few months from start to finish. If you win, the bank or credit card company will have a short time to pay you your award.

Why hire Professional Attorney for Credit Card Disputes?

Hiring professional lawyers for credit card disputes can give you peace of mind knowing that you have an experienced attorney on your side who understands the intricacies of the legal system. From negotiating with credit card companies to representing you in court, our attorneys for credit card disputes can provide you with the guidance and support you need to resolve your dispute effectively. Don’t take on credit card companies alone – hire an attorney for credit card disputes and give yourself the best chance of success.

Knowledge of the law

Credit card dispute attorneys have a deep understanding of the legal framework surrounding credit card disputes. They can help you navigate the complex legal system, ensuring that your rights are protected and that you are aware of all your options for resolution.

Experience with negotiations

Experienced credit card dispute lawyers have honed their skills in negotiating with credit card companies and merchants. They know how to build a strong case, negotiate with creditors, and advocate for their client’s best interests.

Time-saving

Dealing with a credit card dispute can be a lengthy and frustrating process, especially if you are not familiar with the legal system. By hiring an attorney for credit card disputes, you can save time and focus on other important matters while your lawyer handles the details of your case.

Higher success rates

Studies show that people who hire attorneys for credit card disputes are more likely to achieve a favorable outcome than those who handle the process on their own. An experienced credit card dispute lawyer can help you build a strong case and maximize your chances of success.

Reduced stress

Going through a credit card dispute can be stressful and emotionally taxing. By hiring a professional attorney, you can minimize your stress and anxiety, knowing that your case is in capable hands.

Cost-effective

While some people may hesitate to hire an attorney due to concerns about cost, working with a credit card dispute lawyer can actually be cost-effective in the long run. An experienced attorney can help you avoid costly mistakes and pursue the most efficient and effective path to resolution, potentially saving you money in the long run. Additionally, many credit card dispute attorneys offer flexible fee structures, such as contingency fees, which means they only get paid if they win your case, making it more affordable for you.

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FAQs

How do I fight a credit card dispute?

The first thing you should do to fight a credit card dispute is to notify your credit card company of the issue. Provide them with enough detail to be able to investigate the dispute, such as the date, amount, and vendor related to the disputed credit card charge. They will then take time to investigate and make a decision. If they decide in your favor, then great. If they don’t, then you have the option to file a civil lawsuit against them in court, or demand arbitration if the credit card agreement requires it.

Are most credit card disputes successful?

While it’s difficult to know how many credit card disputes are successful (because data isn’t collected and maintained), it’s safe to say that most credit card disputes that include sufficient evidence are successful. Whether credit card disputes are successful depends on the evidence the cardholder provides to the credit card company. Without solid evidence proving that a credit card charge is fraudulent or unauthorized, you don’t have a good chance of being successful.

Who pays for credit card fraud?

At the end of the day, it’s the cardholders that pay for credit card fraud. Even though credit card companies may reimburse you for fraudulent purchases upfront, the companies indirectly pass that burden onto their customers through higher fees, interest rates, and other types of costs.

When will you receive your money back after disputing?

This depends on whether you win your dispute or not. Suffice it to say, if you lose your credit card dispute, you won’t be getting any money back. If you’re successful in your credit card dispute, the company will adjust the error by the next billing cycle.

If a credit card dispute is denied, what happens?

If a credit card dispute is denied, then you have the option of filing a civil lawsuit in court or arbitrating your claim if the credit card agreement requires arbitration. There are pros and cons to both. Arbitration is usually cheaper and faster, but you have more rights in court (such as a right to a jury trial). Either way, it’s a chance to be in front of a neutral person that will make a decision on your claim. You can also be awarded statutory damages.

Can you dispute a credit card charge if you were scammed?

Absolutely. You should dispute a credit card charge if you were scammed. The law protects consumers from being scammed by buying products that were not as advertised or otherwise defective. Of course, if you were a victim of straight-up identity theft, then you should also dispute a credit card charge.

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