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.

