Navigating Unauthorized Charge Disputes in Tennessee: Your Rights and What to Do Discovering an unauthorized charge on your bank statement or credit card bill can be alarming. It's not just an inconvenience; it's a violation of your financial security. For residents of Tennessee, understanding your rights and the specific steps to take is crucial for resolving these disputes effectively. This article provides practical, actionable advice, drawing on both federal protections and Tennessee-specific legal principles to empower you in safeguarding your finances. What Exactly is an "Unauthorized Charge"? An unauthorized charge is any transaction on your credit card, debit card, or bank account that you did not permit or approve. This broad definition covers a range of scenarios, including: 💳 Charges made after your card was lost or stolen. 👻 Transactions resulting from identity theft, where someone uses your financial informat...