consumer protection laws

California Consumer Protection Laws

The interests of the rich and powerful always have a voice, while ordinary consumers have difficulty making their voices heard.

Standing up to banks and large corporations that deceive their California customers is made possible by federal and California consumer protection laws.

An important legal tool that protects consumers is the ability to start a class action lawsuit. The bank that cheats you out of a few dollars every month is probably doing the same thing to millions of other customers.

The advertisement that deceived you also deceived others. Credit reporting agencies, debt collectors, and companies that fail to protect your data all harm large numbers of consumers when they violate consumer protection laws.

By bringing consumer claims as class action lawsuits, consumers can obtain vindication for themselves and others when individual lawsuits would not be practical.

California class action consumer protection lawsuits give consumers the power to change the behavior of powerful companies.

Excessive Bank Fees and Charges

Federal regulations that took effect in 2010 protect consumers from excessive overdraft fees. Despite those regulations, a 2014 Pew study showed that many consumers are still be subjected to overdraft fees that they did not agree to pay.

Federal and California laws also protect consumers from financial fraud. Considering all of those laws and regulations together, California consumers are protected from:

Other practices may also be unlawful if they benefit banks by deceiving customers. Bank and credit card customers who feel they are paying excessive charges should get legal advice.

Unlawful Debt Collection Practices

A federal law known as the Fair Debt Collection Practices Act prohibits debt collection practices that harass consumers.

Debt collectors can be held accountable when they bother consumers in ways that violate the law, including:

Many other annoying debt collection practices are also prohibited by law.

Individuals who believe they been subjected to harassing or unlawful debt collection practices should seek legal advice.

Credit Report Violations

Credit reporting bureaus can damage reputations and destroy credit ratings when they make mistakes, or fail to correct mistakes, in credit reports.

The Fair Credit Reporting Act is a federal law that gives consumers relief when they are harmed by credit reporting bureaus. Unlawful actions that harm consumers include:

California consumers can seek justice by using the Fair Credit Reporting Act when they have been harmed by credit report violations.

Deceptive Advertising and Packaging

Consumers have a right to make buying decisions on truthful information. When companies engage in false or deceptive advertising, they violate federal and California laws that are designed to protect that right.

Examples of false or deceptive advertising or packaging include:

Bait-and-switch advertising also violates the law. A business is not allowed to advertise a product or service at a particular price with the intent to sell that product or service at a higher price, or to induce customers to buy a more expensive product.

Claiming that the advertised product is “sold out” while offering the buyer a more expensive alternative is an example of bait-and-switch advertising.

Telemarketing Violations

The Telephone Consumer Protection Act is the primary federal law protecting consumers from aggressive telemarketing tactics.

Telemarketers violate the law when they use automated dialers to deliver a recorded message or a message spoken by an artificial voice. Telemarketers also violate the law when they:

Other violations include sending spam texts and junk faxes.

Data Breaches

When so much information is stored electronically, consumers are vulnerable to financial losses when electronic data is stolen from a company that fails to protect it.

Losses can be caused when credit card numbers or account passwords are stolen, but data breaches can also expose consumers to identity theft when identifying information, including addresses and social security numbers, are accessed by thieves.

Companies often fail to notify consumers of data breaches, or they delay notification, giving hackers time to use or sell the stolen data.

Consumers who learn they have been victimized by a data breach can join a class action lawsuit to obtain a remedy on behalf of all the victims of a data breach.

Need Help? Obtain a Free Consultation.

Our consumer protection lawyers provide free consultations to anyone in California who feels that they have been wronged by a business or institution. Contact us today to receive a free consultation with no obligation to retain our services.

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False labeling

Companies use misleading and deceptive labels on products to boost sales.

Excessive fees

Banks have been known to charge excessive fees for no reason. Get compensated.

Unfair Business Practices

Defrauded by a business? You're not alone. Get help now.

Deceptive advertising

Deceptive advertising laws arm consumers with the ability to seek redress when victimized. Find out how.

Data Breach

A breach of data can put your personal information at risk. Evaluate the damage.

Defective products

Victim of a defective product? Find out what you can do to receive compensation.

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