What is the best thing to do if a charge company can not tell you what you got threw their card?

Question

if they fail to tell you can you fail to pay.

Answer 1

try going to the better business bureau www.bbb.org

Answer 2

Hi Lois. You need to explain a little better but here's my advice from the best I can figure of what you're asking for.

A company can't tell you they have a charge and then refuse to tell you where it's from and a contact number. That's illegal.

I've run into this a few times. By law they have to tell you the company that's charging you, give you the company's number and allow you to dispute it. The credit card company has to investigate and can't charge interest or penalties while it's in dispute. But if they find in the company's favor they can add interest and penalties retroactively.

If they refuse to give you the co. & contact number or charge you while it's in dispute or you have clear proof such as a signature or ticket (the guy above) you need to take it to the Attorney General's Office of Consumer Protection in your state. This is one of the most wonderful underused services of the government. I've used this office for as little as $10. up to hundreds of dollars. They are extremely effective at getting things done.

A little hint here. If you pay any part of the bill before or while in dispute it's presumed you know this bill is owed by you. They can still get it back if not but it makes it much more difficult and usually requires a court case and months.

The best thing to do is open an escrow account or a separate savings account so it's there if not found in your favor and it shows good faith on your part.

Never say the amount is too small. A friend when I was young I always thought was tight told me something I never thought of when I was teasing him about hassling ma bell over a dime lost in a pay phone. If a company has a thousand customers they over charge a dime every week that's a hundred extra dollars a week or $5,200 a year.

Even scanners on average misprice an average $5.76 for every $100. total worth of purchases. That's really big bucks. But you're given a receipt. The only difference with a credit card is you get the receipt once a month. I also keep track online because you can forget purchases. But they can't charge you w/o giving the particulars.

Answer 3

If there is a charge on your card that you don't recognize, the best the card company can do usually is to tell you what company the charge was made at and in what metod (on line, swiped at purchase point or such) the card was used.

You MIGHT be able to contactt he company that charged the card and find outfrom them what the charge is for after you find out who it is/was.

You can't just fail to pay the charge. What you CAN do, is contest the charge. the company will research the charge and make a determination as to wheather they are going to drop the charge (and let the vendor/store know sorry you got ripped off by someone else) or they may decide that the charge is valid and will put it back onto your account.

Usually they do this if the vendor has a signature on file for the transaction and it matches your signature the card company has on file or something like that.

Answer 4

I'm assuming there is a purchase that shows up on your credit card that you, or the credit card company doesn't recall? If that is the case you can file a fraud claim through your credit card company. While the claim is being processed you must continue to make at least the minimum payment to the credit card company. These cases generally take 6 - 8 weeks to resolve.

If you refuse to pay the bill and they turn out to be correct, your credit is damaged, your interest rate defaults to 29% and you still have to pay it. If you end up being right, they will gladly give you credit for your payments.

One additional point: Calling the BBB at this point is kind of pointless. One of the first questions they will ask is what actions you have taken with the credit card company to resolve the problem? If you have told me the whole story, it sounds like you haven't done anything yet.

Good luck and keep your head. If you are right, you will win. If not, you'll pay the bill. No biggie....

Answer 5

They aren't going to be able to tell you what specific items you bought, but they should have no trouble telling you what companies you charged something at. Those would show on your statement also. When you charge something at a company, the company just sends the credit card company the total amount that you charged and the date, not a detailed list of what you bought. So no, you can't expect to get that info from the credit card company, and can't just refuse to pay them.

Answer 6

Okay that question doenst make alot of sense.

Okay lets say your Credit Card company says there was a charge for 55 dollars on June 22nd. You say I was in the hospital on June 22nd. It wasnt me. They say it was charged from Pier 1. You say I dispute that charge I never charged it. You will write a letter fomally disputing it. You will still have to pay interest and minimum payment during the dispute.

The Credit Card company will contact Pier 1 and they will say yep this is a legit charge. They will come back and say it was legit. Do you still have your card? You will then have to dispute it again, maybe with records. The burden of proof is really on you. You have to prove it wasnt you and sometimes that doesnt work.

If they dont even know where the 55 dollars was from, then yeah they have to take it off. But to give you an example. I was in Paris. I flew home from Paris, during my flight a ticket was purchased from Paris to london for a train. They took the paris train to london, the ticket was used. They were in London before I landed in Los Angeles. I clearly cant be in two places at once. I proved I was on the plane. Delta confirmed it.

I still lost, and had to pay. Its not as easy as it sounds. They said I should have taken better track of my card. I said I still have it. Didnt matter I still ended up paying for a first class ticket when I wanst even in Paris at the time.

Good Luck. Plan on paying it, but fight it anyway.

Answer 7

If you are talking about a company, you have to tell them by phone what you need to pay. It is your responsibility to pay or if you do not want to pay, still talk to the manager and tell him that you have not received your bill. If the bill comes very high, because of the exceeding date due, tell the company it was not your fault.

Answer 8

still confussed sry????