Credit Card Fraud Attorney in California – Protecting Consumers in Santa Cruz & Oakland
Credit card fraud can happen to anyone—and when it does, the consequences are stressful and overwhelming. Fraudsters may use your personal information to make unauthorized purchases, open new accounts in your name, or even sell your information to others. These crimes can damage your credit, drain your finances, and cause lasting emotional distress.
At the Law Office of Balam O. Letona, Esq., we represent victims of credit card fraud and identity theft throughout California. Our mission is to hold banks, credit reporting agencies, and debt collectors accountable when they fail to protect consumers or when they continue to pursue fraudulent debts.
What Is Credit Card Fraud?
Credit card fraud occurs when someone uses your card or account information without permission. This can include:
- Unauthorized charges on your credit card statement.
- New credit cards or accounts opened in your name.
- Debt collection calls about accounts you never opened.
- Negative marks on your credit report from fraudulent activity.
Even a small fraudulent charge is a red flag that your personal information may have been compromised. Acting quickly is the key to protecting your financial health.
What To Do If You Are a Victim of Credit Card Fraud
If you suspect or know that you are a victim of credit card fraud, here are important steps you should take:
- Notify Your Bank or Credit Card Issuer Immediately – They can freeze your account and issue a new card.
- Check Your Credit Reports – Review reports from Equifax, Experian, and TransUnion for unfamiliar accounts.
- Place a Fraud Alert or Credit Freeze – This makes it harder for thieves to open new accounts in your name.
- Dispute Fraudulent Charges and Debts – Put everything in writing and keep records of all communication.
Unfortunately, even after you take these steps, banks and credit reporting agencies may continue to report fraudulent debts or ignore your disputes. That’s when legal help becomes essential.
How Our Firm Can Help
Attorney Balam O. Letona has over two decades of experience helping consumers fight back against fraud, harassment, and credit reporting errors. If you are facing debt collection for accounts you never opened, or if a credit reporting agency refuses to correct fraudulent information, you may have the right to file a lawsuit under federal and California law.
Our office helps clients:
- Stop collection harassment related to fraudulent accounts.
- Sue banks, debt collectors, or credit bureaus that violate your rights.
- Recover damages for financial losses and emotional distress.
- Restore your credit and regain control of your financial future.
We work on a contingency fee basis—you don’t pay unless we win your case or secure a settlement.
Take Back Control of Your Identity
Credit card fraud doesn’t have to define your future. With the right legal guidance, you can stop the harassment, correct your credit, and hold corporations accountable for failing to protect your rights.
📞 Call the Law Office of Balam O. Letona today at (831)421-0200 or schedule your free consultation online. We represent clients across California from our offices in Santa Cruz and Oakland.
