What types of legal action are available for credit card disputes?

In Florida, there are several legal actions available for credit card disputes. The most common is filing a lawsuit in a court of law. This is when a consumer files a complaint against a creditor for not following the terms of a credit card agreement. A consumer can also file a complaint with the Consumer Financial Protection Bureau and their state attorney general’s office. Additionally, Florida consumers can get involved with a free financial counseling service to help them with credit card debt management, repayment plans, and credit card dispute resolution. A consumer can also initiate a credit bureau dispute process. This process allows a consumer to look into corrections or deletions to their credit report, if there is incorrect or outdated information. Also, if a consumer can find evidence that their credit card issuer has acted unfairly or contrary to the terms of the agreement, they may be able to file a complaint with the Federal Trade Commission or their state Department of Banking and Finance. Finally, a consumer may take action against a credit card issuer if a dispute occurs by filing an arbitration claim. This allows a consumer to appoint a third party mediator to decide on the dispute as opposed to filing a lawsuit. In the event of a dispute, it’s important to know all the legal actions available and to take the proper steps to resolve the conflict.

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What types of legal action are available for credit card disputes?

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