Fair Credit Billing Act Lawyers

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What Is the Fair Credit Billing Act?

The federal Fair Credit Billing Act (FCBA) has established a process by which you can resolve such problems, and it provides special protections while you are pursuing the process. You should check your bank and credit card statements to make sure they are accurate, your account balance is correct, and that there are no unauthorized charges or other errors on the statements.

What Types of Disputes Are Covered by the FCBA?

The FCBA applies only to "billing errors," including:

How Can I Take Advantage of the FCBA?

There are certain steps you must take in order to receive the FCBA's consumer protections:

While your bill is in dispute, you may withhold payment of the disputed amount. Also, a creditor may not threaten your credit rating or report while your bill is in dispute.

How Can I Report an FCBA Violation?

The Federal Trade Commission (FTC) enforces the FCBA for most creditors, but not banks. The FTC's goal is to prevent fraudulent, deceptive, and unfair business practices in the marketplace. It also seeks to provide information to help consumers spot, stop, and avoid such practices. The FTC may enter fraud-related complaints into an online database, which is available to civil and criminal law enforcement agencies in the United States.

Do I Need a Lawyer Experienced with the FCBA?

The FTC, in response to complaints by consumers and others, will bring actions against a company by itself. A qualified lawyer may help you understand the law and can better inform you on what steps you must take in filing a complaint.

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Last Modified: 11-12-2014 12:53 PM PST

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