Tulsa, Oklahoma Contact Us Today
Credit Card Billing Error Attorneys in Tulsa, Oklahoma
Credit card companies make mistakes — and they count on consumers not knowing their rights when they do. Whether your account has been charged for something you didn't buy, your dispute has been ignored, or your claim was denied with a form letter saying it wasn't fraud, federal law gives you powerful tools to fight back. The Fair Credit Billing Act is one of the most underused consumer protection statutes on the books — and credit card companies know it. We represent consumers in Tulsa and throughout Oklahoma who have been wronged by credit card companies, and we know how to hold them accountable.
Do You Have a Case?
You may have a credit card billing error claim if:
Unauthorized charges appear on your account that you did not make and the company has refused to remove them
You disputed a charge in writing and the credit card company failed to acknowledge your dispute within 30 days
Your dispute was not resolved within two complete billing cycles
Your account was reported as delinquent or charged off to the credit bureaus despite an open, unresolved billing dispute
You were charged fees or interest that were not disclosed or authorized under your cardholder agreement
Your account was closed or suspended as a result of an error you disputed
A fraudulent account was opened in your name and is being reported on your credit
You were told your claim was denied because it was not fraud — but your dispute was about something other than fraud
Denied Because They Said It Wasn't Fraud? You May Still Have Rights.
📌 Note: Display this section with a distinct visual treatment — shaded background box or bordered callout — to catch the eye of visitors who have already received a denial letter.
'We investigated and found no fraud' is not the same as 'you have no rights.' If your credit card dispute was denied on that basis, you may have been given the wrong answer under the wrong law.
This is one of the most common situations we hear about — and one of the most misunderstood. A consumer disputes a charge on their credit card. The credit card company investigates, concludes it doesn't meet their definition of fraud, and sends a denial letter. The consumer assumes that's the end of it.
It often isn't.
Fraud Claims and Billing Disputes Are Two Different Things
Credit card companies operate under two completely separate legal frameworks when it comes to disputed charges — and they frequently apply the wrong one, either by mistake or by design:
credit-card fraud/unauthorized-use claims are governed by TILA’s unauthorized-use protections, which generally cap liability at $50, plus network/issuer zero-liability policies; and
FCBA disputes are billing-error disputes that may include non-fraud issues and can apply even where the consumer authorized the transaction, but only if the dispute falls within the FCBA’s billing-error framework and procedural requirements.
What the Fair Credit Billing Act Actually Covers
The FCBA gives you the right to dispute a charge and withhold payment on the disputed amount for any of the following reasons — none of which require proving fraud:
Charges for goods or services you never received
Charges for goods that were not as described or were defective
Charges that reflect the wrong amount — including mathematical errors
Charges posted to the wrong account
Charges for which you have a valid legal claim or defense against the merchant
Charges the merchant agreed to credit but never did
If the credit card company investigated your dispute as if it were a fraud claim — looking for evidence of unauthorized use — and found none, they may have applied entirely the wrong standard. Your FCBA rights do not depend on proving your card was stolen or your account was hacked. They depend on whether there is a legitimate billing dispute, which is a much broader category.
What the Credit Card Company Is Required to Do
When you submit a timely written billing dispute that qualifies under the Fair Credit Billing Act, your credit card company has specific obligations. It must:
Acknowledge your dispute in writing within 30 days, unless it resolves the dispute first;
Within two complete billing cycles, and no later than 90 days, either correct the account or conduct an investigation and send you a written explanation;
Refrain from treating the disputed amount as delinquent for credit-reporting purposes while the FCBA dispute is pending;
Refrain from closing, restricting, or otherwise taking adverse action against your account solely because you have not paid the disputed amount while the dispute is pending; and
If it denies the dispute, provide a written explanation of the reasons it believes the charge or account statement is correct.
If a credit card company ignores these procedures, or rejects a valid FCBA billing-error dispute simply because it found “no fraud,” it may be violating federal law. Available remedies may include actual damages, statutory damages, costs, and attorney’s fees.
What You Should Do
If your credit card dispute was denied because the company said it found “no fraud” or that you authorized the transaction, do not assume that ends the analysis. The right question may be different: do you have a valid billing-error dispute under the Fair Credit Billing Act? That analysis starts with what actually happened — not simply with whether someone stole your card.
How We Help:
We evaluate your billing dispute, identify whether the FCBA or other federal statutes apply, and pursue recovery on your behalf. Many of these cases involve credit card companies that have violated both the FCBA and the Fair Credit Reporting Act — by denying a valid dispute and then reporting the disputed amount as delinquent to the credit bureaus. When that happens you may have claims under both statutes, which can significantly increase your recovery.
Fee Arrangement:
Credit card billing error cases are typically handled on a contingency basis — meaning you pay nothing unless we recover for you.