CREDIT CARD FRAUD

Girard Gibbs represents consumers who have been the victim of fraudulent credit practices. The firm has successfully litigated actions against major credit card issuers, including a settlement of $105 million on behalf of customers of Providian credit card services.

Types of Credit Card Fraud Class Action Lawsuits

Below are some of the practices that credit card companies have been accused of:

• Deliberately setting payment due dates on non-business days, causing the payment to be processed on a later day in order to collect late fees and excess interest.

• Failing to post payments when received on time, resulting in late fees and excess interest for the customer.

• Charging credit card customers for “add-on” products, such as discount plans, without authorization.

• Misrepresenting the credit card’s annual percentage rate.

• Misrepresenting the annual percentage rate to be applied to balances transferred from other accounts.

• Transferring balances without the customer’s authorization (“slamming”).

Truth in Lending Act

The Truth in Lending Act, a federal law established in 1968, states that its purpose is to “assure a meaningful disclosure of credit terms so that the customer will be able to compare more readily the various credit terms available to him” and “to protect the customer against inaccurate and unfair credit billing and credit card practices”.

What can I do if I believe I have been the victim of credit card fraud?

If you believe you have been subjected to credit card fraud, or if you would like to learn more about credit card fraud, please fill out the form on the right or call toll-free (866) 981-4800 for a confidential consultation.

Why Girard Gibbs LLP?

Girard Gibbs is a national litigation firm specializing in securities litigation, consumer class actions and complex business litigation. Girard Gibbs' managing partner Daniel Girard was voted one of Northern California's Super Lawyers in 2007, 2008, and 2009 by Law & Politics, recognizing him as one of the top 5-percent of attorneys practicing in Northern California.