What to Do If You’re Charged for Goods or Services You Didn’t Order in Maryland

Being charged for goods or services you didn’t order can be a frustrating experience. If you find yourself in this situation in Maryland, there are several steps you can take to resolve the issue effectively. This article outlines the actions you should consider if you are wrongly charged.

1. Review Your Statements

Start by carefully reviewing your bank or credit card statements. Identify any unfamiliar charges and take note of the amount, the date, and the vendor. Make sure to differentiate between legitimate subscriptions or purchases you may have forgotten and unauthorized charges.

2. Verify the Charge

Before taking action, verify whether the charge is truly unauthorized. Check your email for any order confirmations, account registrations, or receipts you may have overlooked. Sometimes, free trials convert to paid subscriptions without notice, leading to unexpected charges.

3. Contact the Merchant

If you are certain that the charge is not legitimate, the next step is to contact the merchant directly. Reach out to their customer service department via phone or email. Provide them with details about the charge, and request a refund or clarification. Keep a record of your communications, including dates, times, and the names of representatives you speak with.

4. Dispute the Charge

If the merchant does not resolve the issue to your satisfaction, you can dispute the charge with your bank or credit card issuer. Most credit card companies allow you to file a dispute for unauthorized charges within a specific time frame. Gather relevant documentation, such as your communication with the merchant and any evidence supporting your claim.

5. File a Complaint

If the matter remains unresolved, consider filing a complaint with the Maryland Consumer Protection Division. This division assists consumers in handling disputes with businesses and can help investigate fraudulent practices. You can submit your complaint online or through mailing a written complaint to their office.

6. Report Identity Theft

In some cases, unauthorized charges may be a result of identity theft. If you suspect that your personal information has been compromised, it may be advisable to report it to the Federal Trade Commission (FTC). Additionally, consider placing a fraud alert on your credit report and monitoring your accounts for any further suspicious activity.

7. Consult Legal Help

If the issue persists after exhausting all other options, consulting with a consumer rights attorney may be beneficial. They can provide you with further guidance, review your case, and discuss possible legal actions to take against the merchant.

8. Keep Records

Throughout the entire process, ensure that you keep detailed records of all communications and transactions related to the unauthorized charges. This documentation can be vital if you need to escalate the situation further.

In conclusion, being charged for goods or services you didn’t order can be upsetting, but there are several actions you can take to address the issue effectively in Maryland. By staying organized and proactive, you can work to resolve unauthorized charges and protect yourself from future instances.