Issue with credit card charge - No Help from the Card Issuer or the Merchant?

Question

Airlines charged me $400 for excess baggage even though I haven't authorized the charge. I reported the incident to the airlines and the airlines wasn't willing to help because the airlines is in bankcruptcy. The card issuer says that I have to resolve with the merchant. How do I resolve this issue, I gave the card to airlines during boarding to just reterive the passanger information and I was charged for the outrageous amount. When I asked the card issuer to present me the copy of my signed statement to the merchant the card issuer is un-willing to do that. According to the card issuer presenting a card is proof of my authorization, which is hard for me to believe. I presented the card for one purpose and if it is used for some thing else I don't think I am responsible. Any help on how to resolve this issue is greatly appreciated.

Answer 1

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Answer 2

If the card issuer (Bank of America, for example) is unwilling to resolve a dispute, contact the card directly -- Visa, Mastercard, etc...

Put everything in writing. Keep all copies of your correspondence.

Answer 3

You can go to Visa or Mastercard direct to dispute the charge. Tell them the merchant is out of business and the charge was not authorized, they should step in to help.

Answer 4

Presenting a card for one specific reason does NOT constitute that the merchant has the right to use it, to tack on unlawful charges. See an attorney.

Answer 5

you need to fill out the dispute charge form with your credit company, they can not deny you that, it takes time but eventually you get your money back

Answer 6

tough luck dude..card issuer is rite...