Quote:
Originally Posted by DAVES
Re: Disputing a bill with a credit card.
I've done this twice in my life. Both times I got what I proposed with the company before notifying the credit card company. From speaking to the people who handle this stuff for the credit card company, it is sort of strange. They will notify the company there is a dispute and give them a chance to resolve it. They will tie up the payment but it is just for a period of time. They will not refuse to pay unless it is found the company is a fraud and there is no one to pay.
A company that says I will give you a cash discount actually that is in violation with there agreement with the credit card company. Obviously they are avoiding the 2% or so that the credit card company takes but likely taxes due to the government. Charging you sales tax and not paying it is actually jail time. Likely hood of being caught, TURNED IN WITH PROOF is unlikely. Perhaps, an idea for the original post.
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That doesn't exactly track with the mandated process required by Federal law. When you dispute a credit card charge, you must first attempt to resolve the issue with the merchant. Then, the bank must remove the charge from your account and investigate the issue. The bank is required to make a good faith and fair decision about the card holder's issue. They cannot just release the money to the merchant without a good reason. The process works best when a merchant has failed to deliver a product or service, or when the merchant has filed for bankruptcy.