Gavel Insight

Understanding Unauthorized Charges in Washington: Your Guide to Protection Discovering an unauthorized charge on your bank statement or credit card bill can be frustrating, alarming, and often, confusing. In Washington State, consumers have robust protections under both federal and state laws, but knowing how to navigate these systems is key to successfully disputing these charges and recovering your money. This article will provide a clear, actionable guide for Washington residents facing such a situation, offering practical legal advice, outlining your rights, and explaining the steps you need to take. What Qualifies as an Unauthorized Charge? An unauthorized charge is any transaction on your account that you did not permit. This can manifest in several ways: 💸 Fraudulent Transactions: Someone uses your account information without your knowledge or consent (e.g., stolen credit card numbers, identity theft). 🚨 Errors: A merchant accident...

Understanding Unauthorized Charges: Your Rights in Rhode Island Discovering an unauthorized charge on your bank statement or credit card bill can be alarming and frustrating. It’s an immediate signal that your financial security has been compromised, or that a mistake has occurred. For residents of Rhode Island, understanding your rights and the proper steps to take is crucial for resolving these disputes effectively and protecting your hard-earned money. This article will guide you through the process, outlining your legal protections and providing practical advice to navigate an unauthorized charge dispute. Your Shield: Federal Laws Protecting Rhode Island Consumers While Rhode Island has its own consumer protection statutes, the primary legal frameworks governing unauthorized charges on credit and debit cards are federal laws: The Fair Credit Billing Act (FCBA) – For Credit Cards The FCBA is a powerful federal law designed to protect consumers from un...