Credit card charged without authorization

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Credit card charged without authorization

Postby rippedoff » Mon Oct 18, 2010 8:39 pm

I signed a contract with a contractor to do some drywall and painting work. I made a payment with my credit card and signed a contract that stipulated what work should be done and the amount that would be due upon completion.

The contractor did not complete all the work specified and did a terrible job on the work he did. I complained but he just charged my card anyway.

I disputed the charge and thought I had a valid case as the work was not completed as specified on the contract and the contract says the final payment is not due until work is complete. Instead the credit card company did not honor my claim as they said basically since I signed the contract the merchant can charge my account in full, and beyond that, the dispute over the work did was just "he said she said" and there was nothing I could do about it.

I'm pretty pissed as I thought I would be protected in this case. If I had known I was basically pretty much paying the amount in full before the work even started I would have never agreed to sign the contract.

Does the consumer really have no rights in this case?

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Mogul of Pineapples
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Postby Mogul of Pineapples » Wed Oct 20, 2010 7:46 pm

Which credit card issuer is this? Do you have a copy of the contractor agreement and if so, can you post what it says?
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Postby rippedoff » Wed Oct 20, 2010 7:59 pm

it is discover

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Postby CCG » Thu Jan 06, 2011 7:04 pm

This article should help answer your questions:

Credit Card Dispute

Good luck,

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Postby infomaniac » Sat Jan 08, 2011 4:30 pm

If a dispute is not possible legal options can be considered; small claims court and filing complaints with the state administering the contractor's license.

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