What should I do if I am accused of fraudulent charges on my credit card?

If you are accused of fraudulent charges on your credit card in New Jersey, you should take the accusation seriously and take action right away. You should contact your credit card company immediately and ask for copies of all the documents related to the charges in question, including the original receipt. You should also contact the merchant where the charges were made and ask for information on the purchases or services. Once you have the documentation, you should dispute the charges directly with your credit card company. You should explain why you believe the charges are fraudulent and provide any evidence you have that disproves the charges. If the credit card company does not resolve the dispute to your satisfaction, you may be able to file a complaint with the New Jersey Division of Consumer Affairs, which oversees credit card dispute resolution law in the state. The Division will investigate the dispute and may be able to help you obtain a refund or credits associated with the disputed charges. You may also be able to file a lawsuit against the merchant who made the fraudulent charges, but it is important to consult with an experienced attorney before doing so. Ultimately, the best way to avoid being a victim of fraudulent charges is to review your credit card statement carefully and regularly so that you can catch any suspicious activity as soon as possible.

Related FAQs

What should I do if I am a victim of identity theft?
How do I stop debt collectors from calling?
What can I do if I am being harassed by debt collectors?
How should I respond to a chargeback?
How can I prepare for a chargeback?
How does the Equal Credit Opportunity Act protect credit card consumers?
How can I find out what the legal limits are for a credit card dispute?
What does the law say about credit card disputes?
What rights do I have under the Fair Credit Billing Act?
What are some of the most common defenses used in credit card dispute resolution?

What should I do if I am accused of fraudulent charges on my credit card?

Related FAQs

Related Blog Posts