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Trusted Lawyers for Fraudulent Debit and Credit Card Charges

Consumer Attorneys: We Reverse Unauthorized Transactions!

  • We’ll help dispute fraudulent charges on your credit or checking account and will try to reverse them.

  • Our team will seek monetary damages if the financial institution fails to reasonably address our disputes.

  • You pay nothing. We’ll recover our legal costs from the financial institution that failed to investigate the fraudulent charges.

INVESTIGATIVE ENGAGEMENT AGREEMENT

You, (“Client,” “you”), and Consumer Attorneys PLLC (“CA” or “we”), located at 68-29 Main Street, Flushing, NY 11367 (“CA”), hereby enter into this limited scope retainer agreement whereby you agree to grant CA the exclusive authority to investigate your potential consumer law claim(s), including but not limited to potential violations of the Fair Credit Reporting Act (“FCRA”), Fair Debt Collection Practices Act (“FDCPA”), Equal Credit Opportunity Act (“ECOA”), Electronic Funds Transfer Act “EFTA”), Fair Credit Billing Act (“FCPA”), and/or the Telephone Consumer Protection Act (TCPA”) (collectively referenced as “consumer protection statutes”). 1 Please read carefully before signing:

Authorization

You authorize CA to investigate your potential consumer law claim(s) under state and federal consumer protection statutes. You authorize CA to contact third parties on your behalf for the limited purpose of investigating your potential consumer law claims. “Third parties” include but are not limited to consumer reporting agencies, creditors, lenders, debt collectors, rental agencies, employers, courts, and law enforcement agencies.

CA’s Exclusive Investigative Period

CA agrees to investigate your potential consumer law claims in good faith. By signing this agreement, you agree to give CA the exclusive right to investigate your potential consumer law claim(s) for the next 180 days (“Exclusive Investigative Period”). For the duration of the Exclusive Investigative Period, you agree that you will not communicate with any other law firm or legal representative about your potential consumer law claim(s). You agree to forgo any previously scheduled consultation or case review until CA’s Exclusive Investigative Period concludes.

Termination of Exclusive Investigation Period

CA agrees that the Exclusive Investigative Period may not extend beyond 180 days without your prior written consent.

At any time between the date of this agreement and the expiration of CA’s Exclusive Investigative Period, CA may inform you of the outcome of its investigation. If CA’s investigation reveals that you have an actional consumer law claim, CA may ask you to sign a formal retainer agreement. If CA’s investigation does not reveal an actionable consumer law claim, you will receive an e-mail that states CA will not represent you in any further pursuit of your potential claim(s).

The relationship between you and CA automatically terminates at 5pm on the 180th day of the Exclusive Investigative Period or your receipt of CA’s written notice to decline representation, whichever comes sooner. At the conclusion of the Exclusive Investigative Period or upon receipt of CA’s written declination of representation, you are permitted to seek alternative legal counsel without penalty.

Nothing in this agreement should be construed as a promise or guarantee that CA will represent you in a consumer lawsuit at any point in time. CA reserves the right to decline to represent you for any reason permitted by relevant laws and ethical rules.

Your Involvement and Promises to us

You agree to meaningfully participate and cooperate in CA’s investigation of your potential consumer law claim(s). You agree to immediately inform CA if your mailing address, e-mail address, or phone number changes at any point during the Exclusive Investigative Period.
You agree to provide all relevant information, communications, documents, materials, and all other similar instruments to CA and its representatives during the Exclusive Investigative Period. You understand that your failure to provide all relevant information, communications, documents, and materials to CA during the Exclusive Investigative Period may hinder, delay or otherwise frustrate CA’s investigation of your potential consumer law claim(s).

You agree, under penalty of perjury, to provide complete, accurate, and truthful information to CA. All documents and communications, oral or written, past or future, provided to CA during the Exclusive Investigative Period and anytime thereafter are presumed by CA to be true, complete, and accurate.

Fees and Costs Incurred During Exclusive Investigative Period

CA agrees that you will not incur any out-of-pocket fees or costs during CA’s Exclusive Investigative Period. However, if CA agrees to represent you in a consumer lawsuit, CA may recover the fees and costs incurred during the Exclusive Investigative Period from the Defendant pursuant to a future settlement or judgment.

You agree that CA has a right to place a lien on any future monetary recovery obtained by client related to the claims identified during CA’s Exclusive Investigative Period or as a result of CA’s investigative efforts. If you refuse to cooperate with CA in the formal pursuit of the consumer law claim(s) it identifies during or after the Exclusive Investigative Period, you agree that CA has the right to recover the fees and costs it incurred while investigating your potential consumer law claim(s).

Authorization to Use Your Electronic Signature

CA will send you any and all documents that require your signature. You authorize CA to affix your electronic signature to requests, disclosures, or other forms that CA deems reasonably necessary to the investigation of your potential consumer law claim(s) upon receipt of your approval or after the 7th day after the document was sent to you, whichever comes first. Your electronic signature will be used on any and all other subsequent documents that will need signature, affirmation, acknowledgment, or any other forms of authentication in reference to this matter under the above referenced procedure.

1 You also agree to give CA the exclusive authority to investigate potential violations of state-specific consumer protection statutes.

All Rights Reserved. Without Prejudice. CONSUMER ATTORNEYS

FORM # INV2024CA119

I have read and agree to the Privacy Policy, Investigative Retainer
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Connect With Your Attorney Today!

If you are a victim of fraudulent transactions on your debit or credit account, it is crucial to file a written dispute with your financial institution within 60 days of receiving your account statement. Consumers impacted by unauthorized charges are protected under the Electronic Fund Transfer Act for debit accounts and the Fair Credit Billing Act for credit accounts. You can contact Consumer Attorneys for guidance on how to properly file a dispute at no cost to you.

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REASONS FOR LITIGATION

We Represent Victims of Bank Account Fraud!

  • You’ve noticed fraudulent charges on checking account or credit card and want to dispute them properly.

  • You’ve already tried disputing the fraudulent charges on your own, but your dispute was unsuccessful.

  • The bank declined your dispute, and now the fraudulent account is showing up on your credit report.

  • You’re seeking monetary compensation for the damage and inconvenience caused by the fraudulent charges on your accounts.

Understanding Fraud Protection Laws

Fraudulent activity on a bank account can be devastating, but the Electronic Fund Transfer Act and the Fair Credit Billing Act provide important protections. Under the EFTA, unauthorized debit card charges must be reported within 60 days to limit liability. Similarly, the FCBA allows credit card holders to dispute fraudulent charges within 60 days. If no dispute is filed, these fraudulent charges may end up on your credit report. Understanding these laws ensures you're not held responsible for fraud and that financial institutions take action promptly.

HOW IT WORKS

Let's Reverse Fraudulent Charges!

1

Step

Get the account statement

You need to obtain an account statement that shows the unauthorized transactions. Contact us as soon as possible, and we’ll assist you in preparing a detailed dispute for the financial institution to resolve the issue.

2

Step

Dispute the Transactions

The dispute will be submitted to the financial institution, and our experienced paralegals will closely monitor the investigation to ensure it is handled with the utmost care and diligence.

3

Step

Reverse the Charges

Once the investigation is complete, the bank will reverse the transactions. If not, we will file a lawsuit to have them reversed and seek compensation for the damages you’ve suffered.

Consumer Attorneys can file a lawsuit only if the financial institution fails to reverse fraudulent transactions after the dispute process or if other circumstances justify legal action.

REGAIN ACCESS TO YOUR FINANCES TODAY

LET'S START
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ABOUT OUR COMPANY

Fighting for Your Rights and Future, Every Step of the Way!

At Consumer Attorneys, we’re here to help you fight back against identity theft and fraud on your credit report. Our dedicated team of attorneys, legal assistants, and case managers is committed to correcting the fraudulent entries that can wreak havoc on your financial life. We understand how critical it is to resolve these issues quickly, so you can restore your credit and reclaim the opportunities you deserve. Our law firm specializes in addressing identity theft and fraud, including unauthorized accounts, incorrect information, and fraudulent inquiries. These errors can unfairly prevent you from obtaining credit, securing housing, or landing a job. We fight to hold the responsible parties accountable, ensuring you receive the compensation you're entitled to and can move forward with your life.

FIND A LAWYER

10,000+

Nationwide Clients

25+ Years

Combined Experience

$100+ Million

Recovered for Clients

WHY CHOOSE Consumer Attorneys

Consumer Attorneys - More Than Just Your Legal Team

At Consumer Attorneys, we don’t just represent you – we aggressively fight for your rights. We hold banks and financial institutions accountable for negligence and violations, whether it's a fraudulent debit card charge or an unauthorized account on your credit report. Your rights matter, and we stand up for them at every step.

FREE LEGAL SUPPORT

You don’t pay us out of pocket, and our fees are collected directly from the defendants. This means you won’t have to worry about upfront costs or hidden fees. We take on the financial risk, working tirelessly on your behalf to secure a favorable outcome.

EXPERIENCED LEGAL TEAM

Choosing Consumer Attorneys means having a legal team with extensive knowledge of EFTA and FCBA laws. Our skilled professionals are trained to investigate fraudulent charges thoroughly, ensuring every detail is addressed.

Proven Success

We’ve successfully settled numerous cases against major banks like Capital One, Bank of America, AMEX, and others, securing favorable outcomes for our clients. With our extensive experience and proven track record, you can trust that we have the skills and determination to fight for you.

We understand the harm that account fraud can cause. Consumer Attorneys doesn't take a dime from its clients until we reach a settlement or a court decision in our clients’ favor.

Financial Compensation Identity Theft Victims May Receive

If you’ve experienced unauthorized or fraudulent transactions on your debit or credit cards, you may be entitled to compensation under the Electronic Fund Transfer Act (EFTA) or the Fair Credit Billing Act (FCBA). These laws protect consumers from financial harm caused by unauthorized charges, bank errors, or billing fraud. You may be eligible for reimbursement of any lost funds, correction of account errors, and damages for the stress and inconvenience caused by prolonged account freezes, denied refunds, or credit score damage. Our legal team is here to enforce your rights, recover your losses, and hold financial institutions accountable - so you can regain control of your finances with confidence.

YOU SHOULD KNOW THAT

If you spot an unauthorized charge, act fast - report it to your bank or card issuer immediately. Timely disputes protect your rights and can limit your liability under federal law.

Debit and credit cards follow different laws. With credit cards (FCBA), you're liable for $50 max. With debit cards (EFTA), your liability can rise if you delay reporting the fraud.

Under the EFTA and FCBA, banks must investigate disputed transactions promptly. If they fail to fix the error, you may be entitled to legal compensation for losses and distress.

Don’t fight the banks alone. Contact us today - help is available!

Dispute Fraudulent Transactions With Consumer Attorneys!

You already understand the serious consequences of having your checking and credit accounts compromised. Time is crucial in these situations - contact us today to ensure the fraud is disputed correctly and the fraudulent charges are reversed. Our team will guide you through the process, ensuring your rights are protected.

WHAT OUR CLIENTS ARE SAYING

Michael's testimonial

Michael

Georgia

One day, I noticed nearly $5,000 was sent to an unknown PayPal account, and I had never used PayPal. I called the bank, but they weren’t very helpful, so I reached out to Consumer Attorneys. They sent a letter to the bank on my behalf, but after 45 days, the bank didn’t provide a clear response. We took the case to court, and we won. The bank had to return my money and cover all of Consumer Attorneys' legal fees.

Lucy's testimonial

Lucy

New York

I found myself in a horrible situation when all my documents were stolen from my car. The next day, I noticed over 50 hard inquiries on my credit reports, and my scores dropped almost 200 points! I reached out to Consumer Attorneys, and after nearly 8 months of filing dispute letters, we managed to have the fraudulent accounts removed. On top of that, I received a significant amount of compensation.

Luis's testimonial

Luis

Florida

I left my card credentials on a wierd website, and the next day, two transactions went to Pakistan. This was crazy. I contacted Consumer Attorneys, and they helped me file a dispute with the bank. The transactions were reversed in less than a week. Awesome firm, highly recommend to everyone!

FREE CONSULTING FOR OUR CLIENTS

CALL US NOW: +1 877-615-1725
INVESTIGATIVE ENGAGEMENT AGREEMENT

You, (“Client,” “you”), and Consumer Attorneys PLLC (“CA” or “we”), located at 68-29 Main Street, Flushing, NY 11367 (“CA”), hereby enter into this limited scope retainer agreement whereby you agree to grant CA the exclusive authority to investigate your potential consumer law claim(s), including but not limited to potential violations of the Fair Credit Reporting Act (“FCRA”), Fair Debt Collection Practices Act (“FDCPA”), Equal Credit Opportunity Act (“ECOA”), Electronic Funds Transfer Act “EFTA”), Fair Credit Billing Act (“FCPA”), and/or the Telephone Consumer Protection Act (TCPA”) (collectively referenced as “consumer protection statutes”). 1 Please read carefully before signing:

Authorization

You authorize CA to investigate your potential consumer law claim(s) under state and federal consumer protection statutes. You authorize CA to contact third parties on your behalf for the limited purpose of investigating your potential consumer law claims. “Third parties” include but are not limited to consumer reporting agencies, creditors, lenders, debt collectors, rental agencies, employers, courts, and law enforcement agencies.

CA’s Exclusive Investigative Period

CA agrees to investigate your potential consumer law claims in good faith. By signing this agreement, you agree to give CA the exclusive right to investigate your potential consumer law claim(s) for the next 180 days (“Exclusive Investigative Period”). For the duration of the Exclusive Investigative Period, you agree that you will not communicate with any other law firm or legal representative about your potential consumer law claim(s). You agree to forgo any previously scheduled consultation or case review until CA’s Exclusive Investigative Period concludes.

Termination of Exclusive Investigation Period

CA agrees that the Exclusive Investigative Period may not extend beyond 180 days without your prior written consent.

At any time between the date of this agreement and the expiration of CA’s Exclusive Investigative Period, CA may inform you of the outcome of its investigation. If CA’s investigation reveals that you have an actional consumer law claim, CA may ask you to sign a formal retainer agreement. If CA’s investigation does not reveal an actionable consumer law claim, you will receive an e-mail that states CA will not represent you in any further pursuit of your potential claim(s).

The relationship between you and CA automatically terminates at 5pm on the 180th day of the Exclusive Investigative Period or your receipt of CA’s written notice to decline representation, whichever comes sooner. At the conclusion of the Exclusive Investigative Period or upon receipt of CA’s written declination of representation, you are permitted to seek alternative legal counsel without penalty.

Nothing in this agreement should be construed as a promise or guarantee that CA will represent you in a consumer lawsuit at any point in time. CA reserves the right to decline to represent you for any reason permitted by relevant laws and ethical rules.

Your Involvement and Promises to us

You agree to meaningfully participate and cooperate in CA’s investigation of your potential consumer law claim(s). You agree to immediately inform CA if your mailing address, e-mail address, or phone number changes at any point during the Exclusive Investigative Period.
You agree to provide all relevant information, communications, documents, materials, and all other similar instruments to CA and its representatives during the Exclusive Investigative Period. You understand that your failure to provide all relevant information, communications, documents, and materials to CA during the Exclusive Investigative Period may hinder, delay or otherwise frustrate CA’s investigation of your potential consumer law claim(s).

You agree, under penalty of perjury, to provide complete, accurate, and truthful information to CA. All documents and communications, oral or written, past or future, provided to CA during the Exclusive Investigative Period and anytime thereafter are presumed by CA to be true, complete, and accurate.

Fees and Costs Incurred During Exclusive Investigative Period

CA agrees that you will not incur any out-of-pocket fees or costs during CA’s Exclusive Investigative Period. However, if CA agrees to represent you in a consumer lawsuit, CA may recover the fees and costs incurred during the Exclusive Investigative Period from the Defendant pursuant to a future settlement or judgment.

You agree that CA has a right to place a lien on any future monetary recovery obtained by client related to the claims identified during CA’s Exclusive Investigative Period or as a result of CA’s investigative efforts. If you refuse to cooperate with CA in the formal pursuit of the consumer law claim(s) it identifies during or after the Exclusive Investigative Period, you agree that CA has the right to recover the fees and costs it incurred while investigating your potential consumer law claim(s).

Authorization to Use Your Electronic Signature

CA will send you any and all documents that require your signature. You authorize CA to affix your electronic signature to requests, disclosures, or other forms that CA deems reasonably necessary to the investigation of your potential consumer law claim(s) upon receipt of your approval or after the 7th day after the document was sent to you, whichever comes first. Your electronic signature will be used on any and all other subsequent documents that will need signature, affirmation, acknowledgment, or any other forms of authentication in reference to this matter under the above referenced procedure.

1 You also agree to give CA the exclusive authority to investigate potential violations of state-specific consumer protection statutes.

All Rights Reserved. Without Prejudice. CONSUMER ATTORNEYS

FORM # INV2024CA119

I have read and agree to the Privacy Policy, Investigative Retainer
Supported file formats:
CONTACT US

Head Office NY

68-29 Main Street, Flushing NY 11367

+1 877-615-1725

info@consumerattorneys.com

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