- Credit Card
- Real Estate
I have a transaction on my credit card which I dispute with the vendor. (Specifically, charges on a car hire booking which I assert are unwarranted, though I doubt the details are relevant)
Obviously I will take this up with the vendor, but since they’re currently closed (and also since I don’t remotely trust them at this point), I called the card company to get that payment stopped.
I was under the impression that this was one of the points of a Credit Card – that the bank had control of the payments and was halt any that you dispute until the transaction has been appropriately settled, and further that if a simple agreement wasn’t reached then the payment would be cancelled so that the vendor has to take YOU to court to prove the debt, rather than you having to take THEM to court to enforce the refund.
When I called the card company they asserted that this isn’t A Thing(TM) – that this isn’t a thing that they can or will do.
Are they right?
Have I missed something?
Do I have to invoke a particular incantation of legal Acts to get them to do this?