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Consumer Class Action Lawsuits
- Do Fall River Residents Billed By MassDOT for Railroad Use Owe the State?
- What is a lawsuit?
- Overdraft Fee Class Actions Help Consumers
- Bank Overdraft Fees in Massachusetts Will Not Stop with New Opt-in Rules
- Nevada Homeowners Sue Bank of America; Seek Class Action Status
- Bank of America Settles Mortgage Fee Case with FTC for $108 Million
- Toyota Allegedly Sought to Discredit Witnesses
- Toyota Financial Services Remains in Toyota Recall Lawsuit
- Toyota Financial Services Credit Rating Cut by Moody's
- Toyota Motor Credit Corp Added to Class Action by Massachusetts Couple
News
- Posted on 6/9/2011Employee Collects Triple Damages After Boston Business Violates Wage Law
- Posted on 3/12/20102000-2003 Toyota Tundra Recall Is Now Nationwide
- Posted on 3/3/2010Toyota Didn’t Properly Investigate Death Involving Acceleration Issue
- Posted on 3/2/2010Medford Man Sues Toyota After Wife Dies in Single-Car Accident
- Posted on 2/26/2010Credit Card Companies Can Still Profit Off Of Unsuspecting Consumers
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How to Fight Excessive Fees and Overcharges by Your Credit Card Company (Part A)
In recent years, more and more people have fallen victim to excessive fees and overcharges by their credit card companies. Fortunately, there are laws in place to protect individuals against illegal practices by the credit card industry.
Under federal law, a consumer may file a private lawsuit for illegal or deceptive practices. If there are widespread allegations of illegal activity, a credit card company class action lawsuit may be brought against an unethical lender.
Credit Card Companies Want Your Money
The truth of the matter is that credit card companies rarely have your best interests in mind. They will do whatever they can to increase their bottom line. Starting in February 2010, new legislation by the Obama administration will restrict credit card companies from raising interest rates on existing balances.
Because of this, major lenders are coming up with new ways to take your money. Beginning this year, for example, Bank of America will start charging some of its customers an annual fee. Likewise, Citigroup now charges annual fees to customers who don't make enough use of their card. In other words, you will now have to pay to not spend money.
Recently the non-profit organization Pew Charitable Trusts conducted a study that found that 100% of credit card companies apply fees in a manner which, according to the Federal Reserve, is likely to cause substantial monetary harm to consumers.
The Fair Credit Billing Act (FCBA)
Another issue you may face with your credit card is overcharges. In this case your account may have seen unauthorized charges, charges in the wrong amount, or charges for things that weren't delivered as promised.
For these reasons and more, the federal government passed the Fair Credit Billing Act, under which you can dispute any charge, or, if you have a strong enough case against credit card companies, you can sue for damages plus twice the amount of any finance charge between $100 and $1000.
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