reversing credit card transactions?
Software co. product did not work for our company. 18 mos. later still payroll & billing not online for us. Then we uncover a another prob. which at that time our service contract needed to be renewed. We did and they never fixed our system, so I canceled with them & called our credit card co. to dispute the $780.00 charge. First they removed it, then they put it back on. Credit card co. is in Maryland, we're in CT. I am furious!! We had to buy a whole different program for our business and now to get stuck with this scam for $780. Credit card co. said since they reversed it back that's all they can do; I want to resolve this - software co. is making out with our $$ and we're getting nothing. What can I do about this?
Public Comments
- Good luck, What I believed was you could challenge any charge. Yes you can , first you have to pay the charge then correct it on your own.
- Read your software licensing agreement and contract to see if there is a trial period or if you can get out of the contract for non-performance. You are probably out of luck on this and will have to eat the $780.00 since it is really not worth it to hire a lawyer for this small amount. Check the internet to see if there are others that have been scammed by this company. If they really screwed you report them to the Better Business Bureau and anyone else you can think of. Good Luck!
- Generally when the credit card company makes a decision that the charge is valid, you're smack out of luck. I did have one instance that I had used a particular card company for over $50K annually for years, and I wrote a letter when this happened to me and they reversed the decision. I think they ate the charge for $350. If you don't have the clout to get the card company to reverse their decision, you have few options. Small claims court is probably the best choice, suing the software company, not the credit card company. But, first do as another answerer suggests and read the terms of your contract to see if the company gave themselves wiggle room. It is very low cost to sue in small claims court, and depending on the software company and their location, they may or may not actually pay a judgment. But, it's worth the effort, if you're convinced that the software company didn't live up to their contract.
