Navigating Unauthorized Charge Disputes in Utah: Your Consumer Protection Guide Discovering an unauthorized charge on your bank statement or credit card bill can trigger a cascade of emotions: confusion, frustration, and often, a sense of violation. For consumers in Utah, understanding your rights and the proper steps to take is crucial for resolving these disputes effectively and protecting your financial well-being. This article will provide actionable legal guidance, delve into federal protections, and offer Utah-specific insights to empower you against fraudulent or erroneous transactions. What Constitutes an Unauthorized Charge? An unauthorized charge is any transaction that appears on your account statement which you did not personally authorize, or for which you did not provide consent. This can range from genuine errors by a merchant to sophisticated identity theft. Common scenarios include: 💸 Charges for services or products you never received or ordere...