Maryland Consumer Protection Laws: Dealing with Unauthorized Charges

Maryland Consumer Protection Laws: Dealing with Unauthorized Charges

In Maryland, consumer protection laws are designed to safeguard individuals from unfair, deceptive, and fraudulent practices. One of the most common issues consumers encounter is unauthorized charges on their credit cards or accounts. Understanding how to navigate these laws can empower consumers to efficiently deal with such situations.

Understanding Unauthorized Charges
Unauthorized charges occur when a company bills you for goods or services that you did not order or approve. This can happen due to various reasons, including clerical errors, billing mistakes, or outright fraud. In any case, consumers have rights under Maryland’s consumer protection statutes to dispute these charges.

Maryland Consumer Protection Act
The Maryland Consumer Protection Act (CPA) provides a framework for addressing fraudulent and deceptive practices in the marketplace. If you notice an unauthorized charge, the CPA allows you to take the following steps:

  • Document the Charge: Keep a record of the transaction details, including the date, amount, and where the charge originated.
  • Contact the Merchant: Reach out to the business associated with the charge to inquire about the transaction. In some cases, they may rectify the issue promptly.

Disputing Unauthorized Charges
If contacting the merchant doesn’t resolve the issue, you can dispute the charge with your bank or credit card company. Here’s how:

  • Report the Charge: Most credit card issuers allow you to dispute a charge directly through their website or mobile app. Ensure you provide all relevant information.
  • Follow Up: Keep a record of your communications and follow up if you do not receive a timely response.

Filing a Complaint
If the unauthorized charge is not resolved through your financial institution, you may file a complaint with the Maryland Attorney General’s Office. They handle consumer complaints and can investigate potential violations of the CPA. You can file a complaint online or via mail with all supporting documentation.

Protecting Yourself from Future Unauthorized Charges
To prevent unauthorized charges from happening in the future, consider the following tips:

  • Monitor Your Accounts: Regularly check your bank statements and transaction history for any unfamiliar charges.
  • Use Alerts: Set up transaction alerts through your bank or credit card issuer to receive notifications for any charges over a certain amount or all transactions.
  • Secure Your Information: Be cautious about sharing your financial information, particularly over unsecured websites or with unverified businesses.

Conclusion
Maryland’s consumer protection laws offer a robust framework for dealing with unauthorized charges. By understanding your rights and the steps to take, you can better protect yourself and resolve any issues efficiently. Remember, the key to successful dispute resolution is to act quickly, keep detailed records, and utilize the resources available through Maryland’s consumer protection agencies.