SWIPED WITHOUT A TRACE — What You Need to Know About Unauthorized Credit Card Charges
Unauthorized credit card charges are rising in California.
Learn how these fraudulent charges happen and what R23 Law’s California Consumer Protection Attorneys say you must do to dispute them.
Opening your credit card bill and spotting a charge you didn’t make? You’re not alone. Unauthorized credit card charges affect millions of consumers every year—and Californians are high on the target list.
Whether the fraud stems from card skimming, phishing emails, or large-scale data breaches, the financial impact can be immediate and stressful. At R23 Law, our California Consumer Protection Attorneys work to ensure your rights under federal and California law are enforced when your finances are exploited.
The Many Faces of Unauthorized Credit Card Fraud
Unauthorized charges can happen in seconds—but understanding how they occur is the first step in protecting yourself.
1. Card Skimming
Fraudsters install skimming devices on ATMs, gas pumps, and card readers. These devices secretly collect your card data—and sometimes your PIN—with hidden cameras. Once captured, your information is cloned or sold on the dark web.
2. Data Breaches
When retailers or service providers are hacked, stored card data is often compromised. These breaches can expose your credit card number to criminals who exploit it long after the incident.
3. Phishing Scams
Sophisticated phishing emails mimic legitimate sources—like your bank or a streaming service—and trick you into entering your login credentials. From there, scammers can access your card info and more.
Your Legal Protections Under the Fair Credit Billing Act (FCBA)
Federal law gives consumers strong protection. Under the Fair Credit Billing Act (FCBA), you're only liable for up to $50 in unauthorized charges—if you report the fraud promptly. You also have the right to dispute the charge and demand an investigation.
Steps to Dispute Unauthorized Credit Card Charges in California
Here’s what R23 Law’s California Consumer Protection Attorneys recommend you do immediately:
Call your card issuer and report the charge. Ask for a new card if needed.
Submit a written dispute within 60 days of the statement date. Include:
A brief summary of the unauthorized charge(s)
Any supporting evidence (receipts, statements)
A request to remove the charge
Send the letter via certified mail with a return receipt.
Track response deadlines: Creditors must acknowledge your dispute within 30 days and resolve it within two billing cycles.
Why Disputing Charges Isn’t Always Easy
While the law is on your side, card companies often deny disputes or drag out investigations—especially without strong documentation or legal pressure. That’s where legal experience matters.
R23 Law’s California Consumer Protection Attorneys know how to escalate disputes, pressure card issuers into compliance, and take legal action when necessary under the FCBA and related consumer statutes.
Don’t Let Credit Card Fraud Derail Your Finances
If your credit card has been compromised, fast action and legal knowledge are key to recovery. At R23 Law, we represent California consumers in credit fraud cases—from unauthorized charge disputes to litigation against negligent financial institutions.
📞 Suspect unauthorized charges? Contact R23 Law’s California Consumer Protection Attorneys for a free consultation and take back control of your finances.
Because when someone else spends your money, it’s your rights that matter most.
