Fighting Billing Errors: How the EFTA and FCBA Safeguard You

Episode Summary:

In this episode of Navigating Consumer and Family Law Challenges, host Kevin Rosenquist is joined by consumer protection attorney Sara Khosroabadi to discuss billing errors and how consumers can fight back. They break down key protections under the Electronic Fund Transfer Act (EFTA) and the Fair Credit Billing Act (FCBA) and explain how these laws safeguard consumers against unauthorized transactions, identity theft, and fraudulent charges. Sara also shares real-world examples, discusses the process of disputing charges, and provides expert tips on how to protect your finances.

Episode Timestamps:

00:00 – Introduction to Navigating Consumer and Family Law Challenges
00:07 – Meet Sara Khosroabadi and today’s topic: fighting billing errors
00:35 – Common examples of electronic fund transfer errors
01:20 – Consumer rights under the EFTA and FCBA
03:30 – How these laws work to protect consumers from billing errors
04:39 – Identity theft and disputing unauthorized transactions
05:22 – How credit card companies handle fraudulent charges
06:41 – Why claims are denied and the 60-day dispute rule
07:35 – Legal options when a dispute is denied
09:04 – The legal process for recovering disputed funds
11:07 – When it’s worth filing a lawsuit over a billing error
12:23 – Do banks actually investigate disputes?
13:29 – What banks should be doing to protect consumers
14:51 – Steps to take if you suspect fraud on your account
16:55 – Final tips and closing thoughts

About the Show:

Navigating Consumer and Family Law Challenges features expert insights from Sara Khosroabadi, a Southern California-based attorney specializing in consumer protection and family law. Each episode provides legal guidance on important consumer rights, financial protections, and family law matters.