A local business charged my credit card about $18 eight different times over the last three months without authorization, interspersed with another eight or so legitimate charges. After a month of back and forth over e-mail, they refused to explain, refund or reverse the charges, so I initiated a charge back. They got really angry, and now say they want all the money plus $25 per chargeback or they'll send the debt to collections and make reports to all the credit reporting agencies. What to do? [more inside]
posted by skewed
on Feb 28, 2013 -
LA Fitness didn't cancel my membership when they told me they did. Is it reasonable to chargeback in this situation? [more inside]
posted by DynamiteToast
on Dec 13, 2012 -
Do I have the right to request a chargeback from LinkedIn? If I succeed in getting a chargeback, will it hurt my credit score or show up on my credit report? [more inside]
posted by lovelygirl
on Jul 28, 2011 -
I ordered a laptop part online that turned out to be defective. I am leaving town in less than a week and would really like a working part beforehand. The merchant probably won't get me a replacement in time or give me a full refund. I'm going to communicate with them again Monday morning, but I'd like to know how good of a BATNA
a chargeback would be. [more inside]
posted by questionable accounting
on Jun 4, 2011 -
I had a paid consultation with an attorney, and decided to hire the firm. I signed the agreement and sent the form for the credit card authorization. I didn't hear from them for a few days, and after a number of calls, I was sent a waiver form to sign, before they would start working on my case. This was in addition to the agreement I'd signed earlier. They also sent me some templates for letters. My card had not yet been charged.
Needless to say, my confidence with this firm wasn't very high at this point. The waiver letter I was signing said something about getting advice from independent counsel. I did exactly that. I contacted another attorney, found his strategy much better and found that he was more confident. I decided to go ahead with the new attorney.
I contacted the old firm and told them, that I did not want to continue with them. They asked me to send an email, which I did. The next day, they went ahead and charged my card for the first payment (half the full amount). We talked a few times and now they tell me, that I'm not entitled to a refund, the amount charged covers the additional consultations and the letter templates.
I don't have a problem paying for the additional consultation and any time they spent on my case, but charging this for the templates doesn't seem right. Should I chargeback on the credit card?
posted by naveed
on Nov 13, 2005 -
I bought an item
on eBay in July and paid with my Visa debit card using BidPay
. When it became clear that the seller was a scammer and wasn't going to deliver, I contacted my bank and they issued a chargeback on BidPay, and I got my money back. Today I received a somewhat threatening email from BidPay saying that I still owe them the full amount, and if I don't pay they're going to sic a collection agency on me. Do I have to pay it? [more inside]
posted by reflexed
on Sep 1, 2005 -