Can I Sue A Retailer For Unauthorized Charges On My Account?

Yes, you can sue a retailer for unauthorized charges on your account, depending on the circumstances. Here’s how to navigate the process:

Key Steps

1. Document the Unauthorized Charges:

   Collect all relevant documentation, including bank statements, receipts, and any correspondence with the retailer regarding the unauthorized charges.

2. Contact the Retailer:

   Before pursuing legal action, reach out to the retailer’s customer service to report the unauthorized charge. Request a refund and keep records of all communications.

3. Dispute the Charge with Your Bank or Credit Card Issuer:

   If the retailer does not resolve the issue, file a dispute with your bank or credit card issuer. They may assist in reversing the charge and investigating the matter.

4. Understand Your Legal Rights:

   Familiarize yourself with consumer protection laws that apply to unauthorized charges, such as the Fair Credit Billing Act (FCBA), which provides consumers with rights regarding billing disputes.

5. Consult Legal Counsel:

   If the issue remains unresolved and involves significant financial loss, consider consulting a lawyer who specializes in consumer rights to discuss your options for suing the retailer.

6. File a Complaint with Regulatory Agencies:

   Consider reporting the unauthorized charges to consumer protection agencies, such as the Federal Trade Commission (FTC), which can investigate unfair practices.

7. Consider Small Claims Court:

   If the amount in dispute is within the limits for small claims court in your state, you may file a claim there without needing a lawyer, making it a more accessible option for seeking compensation.

Example

If a consumer discovers an unauthorized charge of $150 on their credit card from a retailer, they should:

• Document the charge and any related communications.
• Contact the retailer to request a refund and report the unauthorized transaction.
• If unresolved, dispute the charge with their credit card issuer and consult with a lawyer if necessary.