It is true CitiCredit card will not or wouldn't charge back for disputed charges for consumer?

Question

Citi Credit card customer service manager told me the merchant does not need publish “term” for recurring charges. They could just charge the CONSUMER if they have it no matter where they have it.And I have to pay it.

I paid one ad service through the phone used Citi credit Card. After one year, the merchant charge the credit card again (Is it legal for merchant to keep card info without inform the customer?) I called the citicard to dispute the item immediately and also called the merchant without get anyone answers the phone and I emailed to the merchant staying I did not agree and signed any agreement.

The citicard investigation found:
“The merchant informed us that he send you a email says if you don’t cancel they will renewal contract. And your email back not in time.

I keep talked and faxed to citicard “I did not agree or signed any contract, I do not need to respond to that email. Thinking of email, if I respond to any, I would have broken or billion rich many times. And they did not have any terms on their web site. I do have one paper from the merchant did not have any terms or contract on it.

The manager told me they do not have to publish it or even let you know there is one.
And CitiCard could not charge back the charges. I need to get back from the merchant.

When I called again at 1:30pm the CitiCard rep #QY58 told me he cancel every time after He uses his credit card on the phone or through the web. That is the advice I heard from at least three reps from CitiCard. They keep say I give my credit card out.


What I should do? I could not prove anything if I did not do anything.
And my credit is now 844. How bad will affect my credit when I don’t pay CitiCard?

I have used my credit card to purchase so many ad services through the phone and some through the web. I wandering if I should write to everyone to saying that I did not agree on verbal any terms or contract. And don’t send email to me to hope I ignore it and get me into a contract. Thank god I did not use citicard for these transaction and those merchants are in moral.

Is anyone known any lawyer would like to take my case deal with the merchant and Citi Cards?

Answer 1

What they are doing may be illegal. Dispute the charge in witting. Do a certified return receipt to Citibank. Tell them you flat out refuse to pay them. That you have canceled the service and that they are illegal charging your card. Remind of their good faith rule. Also reminded they can not report you as delinquent or turn it over to collection agency under Fair Credit Report Act. Also, in the mean time. Ask them to hot card your credit card. Then ask them in writing to hard close you credit card after this matter is closed. Tell them you will not be responsible for any charges that is shown on your account after this date and the charges you are disputing.

If they turn it over to a collection agency. Dispute the charges in writing but do not sign this letter and say you are not signing this letter for my own protection. Letters do not have to be signed, when sending it to a collection agency.

Answer 2

As with most purchases with your credit card (for instance CitiBank), they will not chargeback the item. It is true, if you do give out your number in order to purchase good or services, there is nothing the credit card company can do (since you authorized the transaction). As far as posting a contract or terms, this company probably doesn't even exist in the US, so any of that legal stuff here in the US doesn't apply to them.
WHAT YOU WILL NEED TO DO:
call up these ad agencies and demand your money back and you will have to be nasty. Definetly call up the BBB (Better Business Beareau) and try to get some real legal advise. That's all i can advise on. Good luck.