attorney opinion on how to protect credit card facebook

Can Facebook charge people’s credit cards for ads?

May 24, 2019 · Fraudulent Charges From Facebook On My Credit Card. My bank (Wells Fargo) sent me a fraud alert about suspicious charges on my credit card from “Facebook”. The first time this happened was on 5/16/19 and the charge was for $125. Fortunately Wells Fargo’s fraud detection automatically declined the payment and notified me about the ...

Should I hire a lawyer to fight credit bureaus?

2 days ago · Now, sites like Instagram, Facebook FB, -3.57% and Twitter TWTR, +0.03% could also be where debt collectors slide into your direct messages. In late …

How do I find out if a lawyer is good for credit?

Feb 03, 2022 · OAKLAND – In recognition of Identity Theft Awareness Week, California Attorney General Rob Bonta today provided Californians with tips on how to avoid identity theft. Identity theft occurs when someone steals your personal information to commit fraud. Personal information can include things such as your name, credit card number, or Social Security …

Can I file a lawsuit against Facebook for unauthorized charges?

Dec 09, 2021 · Discrimination in Credit Decisions is Illegal. The federal Equal Credit Opportunity Act prohibits credit discrimination based on race, color, religion, national origin, gender, marital status, or age. It also prohibits credit card issuers from discriminating against you because you receive public assistance, like food stamps.

How to stop a debt collector from contacting you?

or after 9 p.m. Also, you can stop a debt collector from contacting you by sending a demand in writing. Once the debt collector receives the letter, it may not contact you except to tell you there will be no further contact, or to notify you that it will take a specific action, like filing a lawsuit.

What is the disclosure statement for a credit card?

The title of this document is often something like “Credit Card Agreement and Truth-in-Lending Disclosure.” The disclosure statement must include the annual percentage rate, the issuer's method of determining finance charges, the amount of any fees connected to the card , and other important terms associated with getting the card.

What is the Equal Credit Opportunity Act?

The federal Equal Credit Opportunity Act prohibits credit discrimination based on race, color, religion, national origin, gender, marital status, or age. It also prohibits credit card issuers from discriminating against you because you receive public assistance, like food stamps. In addition, a creditor can’t refuse to grant you credit because you exercised your rights under the Consumer Credit Protection Act, which contains federal consumer credit laws like the Fair Credit Reporting Act. This law not only prevents credit card issuers from rejecting your application but also prevents them from imposing more stringent conditions, such as higher interest rates, for illegal reasons.

Can you withhold payment on credit card purchases?

Under the federal Fair Credit Billing Act, you may withhold payment on any damaged or poor-quality goods or services purchased with a credit card, as long as you have made a real attempt to solve the problem with the merchant . To take advantage of this protection, the sale must have been for more than $50 and must have taken place in your home state or within 100 miles of your home address. These distance and amount conditions don’t apply when:

What happens if you default on a credit card?

Those hits can accumulate and lead to damage that can take months or years to fix. And the credit bureaus and credit card companies and other lenders don’t care about your circumstances.

How to get rid of negative items on credit report?

Work with the credit bureaus to remove errors from your credit report. Work with the credit bureaus to remove negative items from your report sooner than they might fall off naturally. Possibly settle with debt collection companies for a fraction of your original debt or a workable payment plan of some type.

What is credit repair?

Credit repair is the process of correcting the information that the major credit bureaus have in your credit files—the information used to create your credit reports. You can do credit repair yourself, with the help of a credit repair company or with the services of a credit lawyer. A credit lawyer—also called a credit repair lawyer—is an attorney ...

Is a comment on an article commissioned by a bank advertiser?

Comments on articles and responses to those comments are not provided or commissioned by a bank advertiser. Responses have not been reviewed, approved or otherwise endorsed by a bank advertiser. It is not a bank advertiser's responsibility to ensure all posts and/or questions are answered.

What is consumer protection lawyer?

Consumer Protection Lawyers Who Handle Credit and Debt Problems. Just because someone is a lawyer doesn't mean he or she is knowledgeable in the area of consumer law. If you are going after a credit bureau, original creditor, or collection agency, you need to talk to a specialist in this field. Similar to the medical field, ...

What do lawyers specialize in?

That's why lawyers specialize in fields such as criminal, family, corporate, accident/injury, tax, and credit law. Just as you wouldn't ask a divorce lawyer to handle your credit case, you wouldn't ask a heart specialist to do brain surgery, at least we hope you wouldn't.