The Truth in Lending Act of 1974 is a federal law in the US. It gives consumers the legal right to dispute credit card charges in the case of a billing error. This is referred to as a chargeback, which essentially means that the bank disputes a charge on your behalf. The credit card company will investigate to determine who is in the right, and the result of this investigation will be presented to you within 90 days.Read more
Chargebacks were first introduced in the 1970s as a consumer protection mechanism. They defend cardholders against untrustworthy merchants and criminal fraud. However, due to evolving technology, the chargeback system has become largely outdated.Read more
If you find yourself the victim of identity theft, you have options available to help prevent fraudsters from doing further damage. One of these options is called a fraud alert.Read more
Imagine that you order a new pair of shoes online using your Mastercard. When they arrive, though, you realize that you received the wrong brand and size. In this frustrating scenario, your first response should be to contact the merchant directly and try to return the item in question.Read more
Let’s say you purchased an awesome shirt online. It’s comfortable, it looks great…but when you try it on, you find a big tear in the seam. What do you do?Read more
Let’s assume that you make a purchase online. You put the goods in your cart, enter your shipping and billing information, hit checkout, get your confirmation email…everything seems good. But then, weeks—and eventually months—go by, and the goods you ordered never arrived.Read more
2020 has been a challenging year for everyone, to say the least. But, as this year draws to a close, and we begin to see an end in sight for the COVID-19 pandemic, it’s finally time to begin looking toward the future.Read more
With the shadow of COVID-19 looming over the 2020 holiday season, millions of consumers are going to be doing a majority—or all—of their shopping online this year. For some, this could be the first year you’ve done any business online.Read more
It’s hard to believe that the holiday season is almost upon us again. The year 2020 has been a wild ride, as we’ve collectively dealt with new threats and ongoing disruptions. It would be nice to believe that by December things will all be back to normal … but that probably won’t be the case.Read more
Consumer fraud happens all the time, but there are some periods where it flourishes. The holiday season is a great example: lots of sales transactions make it less likely fraud will be noticed immediately. At the same time, folks tend to feel more generous and sympathetic at that time of year, and fraudsters prey on that fact.Read more
If at all possible, you as a consumer should contact the merchant first with any issues. While we encourage this “hands-on” approach, however, we understand that this doesn’t work in every situation: a merchant’s return process may be too much work, or its policies too difficult to interpret.
The merchant may be unresponsive, or you may not be able to locate contact information at all. We’re your advocate in these instances, helping you slice through the red tape to resolve your issue.