- 1). File a police report. The first step in pressing charges in credit card fraud cases is filing a police report with the local police authority. Name the person who used the card without authorized permission and other important details about the crime. If the credit card company has done an investigation in the event, attach supporting documents.
- 2). Dispute the charges with the credit card company. According to Consumer Action, a non-profit organization that assists victims of credit card fraud, unauthorized charges should be disputed directly with the credit card company. The company will send you a statement you must sign, stating the card use was unauthorized. After completing an investigation, the credit card company may credit the unauthorized activity on your account.
- 3). Hire a criminal lawyer. Check with your state bar association or professional organizations, such as the National Association of Criminal Defense Lawyers to find reputable attorneys in the area. Choose a lawyer with previous casework in identify theft or credit card fraud. The lawyer will write up a complaint that is presented to your local court.
- 4). Attend a trial. The lawyer will secure a court date. On the court date, she will present proof of fraud. This may include information collected by the credit card company during the organization's investigation, video surveillance from a merchant and a police report.
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