Data breaches

Your information leaks from a retailer, bank, phone company, or other business and ends up in criminal hands.

Phishing and social engineering

Fraudsters trick you into giving login data or one‑time codes through fake emails, texts, or calls.

Skimmers and compromised devices

Card readers at ATMs, gas stations, or POS terminals are tampered with; malware infects computers or phones.

“Friendly” or familiar fraud

Roommates, relatives, or partners misuse your card or account because they know you well enough to bypass security.

Weak internal controls

Banks, lenders, and merchants sometimes approve new accounts or huge transactions on obviously suspicious patterns — then make you prove you didn’t authorize them.

1. Credit cards, personal loans, store cards, or utility accounts you never applied for.
2. Large balances and charge‑off reporting against your Social Security number.
3. Collections and negative tradelines wrecking your credit.

1. One‑time big purchases you never made.
2. Many small “test” charges from unknown merchants.
3. Recurring charges from subscriptions you canceled long ago.
4. Duplicate or incorrect amounts billed after a legitimate transaction.

1. Money sent out via Zelle, Venmo, CashApp, PayPal, or other apps without your approval.
2. ATM withdrawals you didn’t make — sometimes under duress.
3. Automatic payments debited after you canceled a service.
4. Merchants or banks taking fees or charges you never consented to.

1. Fraudulent accounts left on your credit report even after you reported identity theft.
2. Late payments, charge‑offs, and collections tied to fraudulent activity.
3. Credit bureaus failing to block or remove identity theft‑related tradelines after proper notice.

1. Banks or card issuers closing investigations quickly and deciding all transactions are “authorized.”
2. Credit bureaus sending canned letters while leaving obvious fraud on your report.

FCRA – Fair Credit Reporting Act

This law gives you the right to dispute inaccurate information on your credit reports, requires bureaus to investigate and correct errors within set timeframes, and allows you to recover damages and attorneys' fees when they violate these rules.

FCBA – Fair Credit Billing Act

This law covers credit card billing errors and unauthorized charges, limits your liability for unauthorized use to $50 or less (often waived by issuers), and gives you the right to dispute charges while requiring creditors to investigate within strict deadlines.

FCBA – Fair Credit Billing Act

To challenge information you believe is inaccurate, incomplete, outdated, or legally restricted (for example, sealed or expunged records).

EFTA – Electronic Fund Transfer Act

This law applies to electronic debits from bank accounts—including debit cards, ATMs, online transfers, and peer-to-peer payments—ties your liability to how quickly you report fraud, and requires banks to investigate and refund unauthorized transfers rather than simply blaming user error.

For consumers

You tell us what happened—identity theft, fraudulent accounts, or unauthorized charges—upload your credit reports, statements, and correspondence to our attorneys' platform, and we match you with licensed consumer-law attorneys who handle these cases in your state.

For partners

Banks, credit-repair services, insurance agents, mortgage brokers, and other professionals who often encounter fraud and identity-theft issues first can refer clients to Leadia instead of turning them away, and partners can track referrals and earn rewards when qualifying cases move forward with attorneys.

For everyone

Our focus is connecting the right cases with the right lawyers as simply and transparently as possible, and most attorneys in our network work on contingency, meaning clients typically pay no upfront legal fees.