HELP!!! Unauthorized Merchant Charges

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HELP!!! Unauthorized Merchant Charges

Postby Maurices5000 » Fri Jun 25, 2010 7:33 pm

I entered into a contractual agreement with a merchant who was doing work on my house. I paid the contract off with checks. Then i entered another agreement with merchant. This time i gave him my credit card number. I thought he was a legitimate merchant. He was a constructor. He took out both the down payment and the payment due upon completion out of my account in clear violation of our agreement. He never finished the work. Then he would propose a job to be done and give a price. I'll say, it sounds good and the next day he would charge my account saying i had a "verbal agreement" to perform work on my house!

This didn't happen before i gave him my credit card number. The merchant has not documentation that i authorized the charges. He has no documentation that the work was completed.

For $2500 job, he did the same, but instead of calling me to authorize the work he simply started the work took the money out my account and then told me, he had begun the work. I never authorized the work. I was expecting that we would write a contract specifying the work to be done!!!

My lawyer wants me to use the court system to get my money back. He says the credit card dompanies want the merchant to win and i can't trust them.

I did give him my credit card number that did not allow him to continue to take charges out without my permission.

I'm thinking about trusting that the credit card company will be fair and submit all documentation. Can the credit card companies be trusted when the merchant has no documentation to prove the cardholder authorized the charge?

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You should dispute the charges

Postby jeffysdad » Sat Jun 26, 2010 7:52 am

with the cc company. Call them asap. It sounds like this falls into the category of services not performed/merchandise not delivered.
American Express: Blue Cash Preferred (groceries, 6%; gas, department store, 3%); Gold Delta SkyMiles (Delta Air Lines, 2 miles/dollar, free checked bag).
US Bank: Cash+ (utilities, phone, internet, restaurant, 5%; drugstores, 2%).
FIA Card Services: Fidelity Amex (everything, 2%); Fidelity Visa (everything, 1.5%).
Chase: Freedom (rotating, 5%); Amazon (, 3%); PriorityClub (IHG hotels, 5 points/dollar); Sapphire (not in use).

*All cards are registered with PriorityClub IDine program for 8 points/dollar at participating restaurants.

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Postby alsteig » Sun Jun 27, 2010 1:08 am

First I would call the contractor and explain that you are going to do a charge back as well as file a police report, contact your state attorney general, and the construction board in your county, and the merchant card service. Be clear in what you want IE: you charged me 2500 dollars extra for work that i did not want or sign off on, you need to cancel this transaction and refund my card in full. Make it clear to this fool that screwing with you is not worth the headache of having his name business and personal assets drug through the mud. Misappropriation of credit card is the equivalent to theft. call CC company as Jeffys dad said and dispute the charges most likely they drop them until the charges stop pending. Let us know what happens.

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Postby DoingHomework » Mon Jul 26, 2010 4:11 pm

Do exactly as Alsteig says!

Get as many people involved as possible. This contractor will probably try to bully you so if you have teh credit card company, the district attorney, your lawyer, and teh contractor board all going at him he is going to realize it is not worth the hassle.

You might also try to immediately get his bank accounts frozen to preserve money should you win. That will make it hard for him to do business.

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