Comments on: Credit Card dispute. Merchant threatens collections.? http://merchantagents.com/credit-card-merchant/credit-card-dispute-merchant-threatens-collections Tue, 13 Jul 2010 12:14:59 -0500 http://wordpress.org/?v=2.8.2 hourly 1 By: Studly http://merchantagents.com/credit-card-merchant/credit-card-dispute-merchant-threatens-collections/comment-page-1#comment-1594 Studly Mon, 18 Jan 2010 01:14:59 +0000 http://merchantagents.com/credit-card-merchant/credit-card-dispute-merchant-threatens-collections#comment-1594 You need to understand that the credit card company only acts as a 3rd party in this transaction. If this is a "border line" dispute they would prefer to just give back the money and back out of it. But your transaction is with the merchant, not with the credit card company. Therefore if your merchant feels you are liable, he can take whatever action is necessary. If you still feel you are right, make him take you to court and dispute it. If he turns it over to collections, immediately dispute the charge and demand validation. Otherwise, they may put a hit on your credit report. If that happens (and you are still certain you could win in court) then file an action against them for posting unvalidated information on your credit report. You could win $1000 in such a lawsuit. Wish I would help you more, but without more details I can't give much more advice.<br><b>References : </b><br> You need to understand that the credit card company only acts as a 3rd party in this transaction. If this is a "border line" dispute they would prefer to just give back the money and back out of it.

But your transaction is with the merchant, not with the credit card company. Therefore if your merchant feels you are liable, he can take whatever action is necessary. If you still feel you are right, make him take you to court and dispute it.

If he turns it over to collections, immediately dispute the charge and demand validation. Otherwise, they may put a hit on your credit report. If that happens (and you are still certain you could win in court) then file an action against them for posting unvalidated information on your credit report. You could win $1000 in such a lawsuit.

Wish I would help you more, but without more details I can’t give much more advice.
References :

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