Your Rights
Credit or debit card issuing banks, payments companies, fin-techs, and other lenders promise to protect their customers from unscrupulous merchants and fraudsters. When your payment company improperly denies your dispute, it makes money off the transaction and you are denied the protection that you rightly expected when you paid with a card or digital payment instead of cash.
The Cater Law Firm is here to hold your card or payments company responsible for the protections it promised you.
Tips to Help Protect Yourself
Check your statements
Regularly monitor your credit card statements; check in multiple times a month to ensure you recognize all of the transactions. You only have a limited time to dispute a transaction so you need to be aware of all charges.
Dispute charges you don’t recognize
Be proactive about telling your payment company about any and all charges you don’t recognize. That simple step (usually an option listed under every transaction in your account portal) alerts the company that they have to investigate the charge. It also shows that you are paying attention.
Don’t take “no” for an answer
If your payment company declines your dispute (or temporarily refunds you only to later reject the dispute after an “investigation”), the dispute doesn’t have to end there. You know what transactions you authorized, and it is your right to demand that the company provide the protection it promised. The Cater Law Firm can help you make your case.