Featured Questions

Walmart shoplifting - loss prevention amounts? How much does Walmart lose annually due to shoplifting? It has to be millions of dollars.


How to ask legal questions on Askinglaw Thank you for visiting Askinglaw, a legal question and answer website. If you are interested in submitting a law related question, please click on the link above titled "Ask a Legal Question" When asking...


Askinglaw, a legal question and answer site (Law Q&A) Do you have a legal related question that you can't find the answer to easily? Try posting it on Askinglaw, a legal question and answer site. There is a community of visitors who ask and answer questions....


I was injured in a car accident. what is going to happen... This is confusing so I hope you understand it. I was a passenger in a truck. We were slammed from behind as we were stopped. The accident was the driver of the other cars fault. She was speeding and not...


Child custody issue, Can a dad give a14 year old daughter... Can a dad give a 14 year old daughter a drug test and state more are to come while she is on his visitation without the consent of mom? She gets straight A's, on stucco, JV cheer leading and has won...


  • Prev
  • Next

Can merchant charge credit card without authorization?

Posted on : 01-23-2010 | By : Legal Information | In : Bankruptcy & Debt, Credit Card Debt, Legal Questions



I recently discovered a charge for $944.65 to my Visa which I did not authorize. I called the bank’s customer service and was told to explain the situation in writing. In November when I was at the showroom, I used my credit card to pay a deposit of $944.00 on custom window treatments. I was not told by the salesperson that my credit account information would be put on file and the dealer would use it again nor did I authorize usage of the card for anything but the $944 deposit. I was given no agreement nor did I sign any document giving the dealer permission to make future charges on my credit card. In December, the installer showed up to our home with part of the order incorrect. Both my husband and I have called and e-mailed the sales rep several times but she has not gotten back to us. Meanwhile, my Visa was charged for the balance of $944.65 without my permission. The bank claims it’s a “quality of service” issue and will not investigate whether I did indeed authorize the charge. Was it legal for this merchant to charge my credit card a second time without my knowledge? Do I have any recourse?

Answers (5)

I had the exact same thing happen to me. Did you get an answeer on this ???

Exact same thing happened to me also!!!…..And the bank explained the same thing……”Quality of Service” issues. It’s an extremely frustrating situation, and I’ve definitely learned a tough lesson. I will be a lot more hesitant to give out my Visa number before receiving the final product/service.

Would love to hear any more input.

You need to take a legal action against the business. Find a cheap lawyer to call the merchant, to show them youre taking this matter seriously.
File a police report. BE PROACTIVE! for future, always use credit cards.

We had the same thing happen to us – we put a depost on shuters for our windows using visa. The company turned up to install the shutters, and without even asking, charged the credit card again for the balance – before the job was even finished. We called the police and they didn’t want to know – said it was a ‘civil’ matter, get a lawyer.

RCI used my credit card fraudulently. I got the money back but they need to be held accountable for this practice.

Want to Ask a Similar Question? Click Here

Write an answer