Strategic, Scalable Defense for Credit Card Disputes
Nearly three out of four Americans use credit cards. For providers, that scale translates into constant exposure—where even minor missteps can lead to major liability.
At Pilgrim Christakis, we’ve guided credit card issuers through complex litigation for decades. We understand the laws governing this space and how plaintiffs’ attorneys seek to exploit them. When a claim arises, we respond with professionalism, efficiency, and an unwavering focus on protecting your business.
Turning Defense Into Risk Management
In credit card litigation defense, we don’t just address the immediate claim. We use each case to uncover and mitigate the human or systemic risk that may lie behind it.
Whether the issue involves disclosures, fees, billing practices, or data reporting, we look beneath the surface to identify patterns, process, or training gaps that could expose your organization to larger-scale litigation down the road.
Types of Claims We Handle
We routinely defend credit card issuers in matters involving:
- Alleged violations of the Truth in Lending Act (TILA) and Fair Credit Billing Act (FCBA)
- Fee disclosure disputes, including late fees, over-limit fees, and penalty APRs.
- Credit denials, adverse actions or discrimination claims under the Equal Credit Opportunity Act (ECOA)
- Payment application or credit reporting issues under the Fair Credit Reporting Act (FCRA)
- Customer communication and debt collection practices, including FDCPA and TCPA allegations
- Data breach and privacy claims
- Class actions challenging standardized terms or system-generated communications
- State deceptive practices or unfair competition claims