What to Do if You’ve Been 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, particularly in Maryland where consumer protection laws are in place. If you find yourself in this situation, it is important to take immediate steps to resolve the issue effectively.

1. Review Your Charges

The first step is to carefully review your bank statements or credit card bills. Identify the specific charge in question and gather any relevant documentation. Make note of the date, the amount charged, and the name of the vendor. Sometimes, charges can appear under different company names, so ensure you research the business associated with the charge.

2. Contact the Merchant

Once you have confirmed that a charge is indeed unauthorized, contact the merchant directly. Use the customer service number usually found on their website or on your billing statement. Explain the situation calmly and provide them with all relevant details. Most reputable businesses will be willing to rectify the situation if there’s been a mistake.

3. Dispute the Charge with Your Bank or Credit Card Company

If the merchant is unresponsive or the issue remains unresolved, contact your bank or credit card company to dispute the charge. Most financial institutions have a dedicated dispute process. Make sure to provide them with all the documentation you gathered, including any communication with the seller.

4. Keep Records

Maintain thorough records of all communications related to the disputed charge. This includes emails, written correspondence, and notes from phone calls—be sure to note the date, time, and the names of any representatives you speak with. These records may be necessary if the dispute escalates and you need further assistance.

5. Familiarize Yourself with Maryland’s Consumer Protection Laws

Maryland consumers are protected under various laws that forbid unfair or deceptive trade practices. Familiarize yourself with the Maryland Consumer Protection Act, which can help you understand your rights. If you believe your situation involves fraud or a deceptive practice, you can report it to the Maryland Attorney General’s Office.

6. Report to Relevant Authorities

If the charge remains unresolved and you suspect fraud, consider reaching out to relevant authorities. This can include the Federal Trade Commission (FTC) and the Better Business Bureau (BBB). Filing a complaint with these organizations can not only assist in your case but also protect other consumers from similar issues.

7. Monitor Your Accounts

After addressing the unauthorized charge, it’s crucial to monitor your financial accounts regularly. Look for any additional unauthorized charges or suspicious activity. Consider setting up alerts with your bank that notify you of any transactions over a certain amount, enabling you to act quickly if something seems amiss.

8. Consider Legal Advice

If all else fails, or if you are dealing with significant financial loss, it may be worth consulting with a lawyer who specializes in consumer rights. They can provide guidance on how to proceed and whether pursuing legal action is appropriate in your case.

Dealing with unauthorized charges can be a hassle, but by taking these steps, you can protect yourself and ensure that your rights as a consumer are upheld in Maryland.