Quote:
Originally Posted by Neils
Regarding cc disputes
The cc will investigate but if merchant/contractor claims they completed the agreement, the cc company will usually allow the payment and tell you that you have a right to take the merchant to court.
I guess the cc companies do not want to involved in potential lawsuits.
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That is not correct. When you dispute a credit card charge, the bank must immediately remove the charge and investigate the issue, and make a fair determination of whether the merchant complied with the transaction. This process is mandated by Federal law for banks that are regulated by the Government. In a case where materials were ordered and never delivered, the bank is not going to allow the merchant to keep the money. It is an open and shut case.