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Credit Card Wants Payment For Unauthorized Charge

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  • 01-22-2009, 04:29 AM
    Margaretc123
    Credit Card Wants Payment For Unauthorized Charge
    My question involves a banking matter in the State of: NY
    I live in NY, bank is UT. Trying to be brief: Had problem with an unauthorized charge in Aug. Contacted Cap1 and temp credit applied then reversedbecausetThey assigned to fraud instead of dispute, and no fraud was found. after 3 mos +many calls they re-opened under dispute. 30 days later they sent an unsigned receipt as proof of valid charge. charge is not valid. also, I think FTC requires resolution in 90days or 3 statements? i have a great credit rating, i really sense they're waiting me out to see if I just pay the $161.88, and i am concerned enough to consider that. filed complaint with FTC who says i can file suit. Obviously paying a lawyer will cost more than the 161.88 - what options do i have on my own? already requested signed receipt(again) and advised them of the FTC rules on Fair credit Act, asking for perm dismissal of charge. appreciate your assistance.
  • 01-24-2009, 10:07 PM
    Mr. Knowitall
    Re: Credit Card Wants Payment For Unauthorized Charge
    You say it's unauthorized. The credit card company doesn't believe you. If you can file a lawsuit over this dispute, and want to take your chances in court, there you go. For small amounts, consider small claims court; although they'll probably try to move you to a regular trial court if permitted under NY law. If you believe they've violated credit laws, consult a lawyer in your area who handles that type of case and see if he'll take your case in anticipation of statutory attorney fees.
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