⚖️ Consumer Rights

Understanding your fundamental consumer protection rights is essential in today's complex financial marketplace.

• Fair Credit Billing Act (FCBA) protections
• Electronic Fund Transfer Act (EFTA) rights
• Consumer Financial Protection Bureau (CFPB) regulations
• Federal Trade Commission (FTC) consumer protection rules
• State-specific gift card regulations

💳 Gift Card & Prepaid Card Disputes

Gift cards and prepaid cards represent billions in consumer spending, yet disputes can be challenging to resolve.

Common Issues:

• Unauthorized use or theft of gift card codes
• Merchant refusal to honor valid gift cards
• Unexplained balance reductions
• Expired or depleted balances
• Defective or non-activated cards
• Fee-related disputes

🛡️ Scam Prevention & Recovery

Financial scams involving gift cards are increasingly sophisticated. We help consumers understand their options.

Common Scam Types:

• Impersonation scams (government agencies, tech support)
• Romance scams
• Prize and lottery scams
• Employment scams
• Charity scams
• Online marketplace scams

Get Expert Guidance

Contact us today for a free consultation to discuss your situation.

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