quick facts: disputing a credit card charge

All credit card companies have a dispute process.   In the US this mandated by Fair Credit Billing Act.  Refer to your bank’s card agreement for details.  Here are the key points, coached Sam on how to describe this situation to make it work:

  • He did not know that he would be charged monthly subscription fees
  • Use the word deceived or deceptive
  • Tried to unsubscribe, but received no response.  He did not accept these services
  • Cancel the card and get a new one – don’t  risk your card number being circulated in Kazakhstan

Regarding the company (merchant):

  • The merchant has the right to refute your dispute
  • The merchant will probably just move on; they don’t want the attention

Federal Trade Commission – Disputing Credit Card Charges