Q: Merchant has a signed receipt but never billed credit card and CC account is closed. Am I liable for the charge?
On 12/18/19 I purchased access to an online educational platform for SEO via credit card over the phone for a total of $5860. The representative confirmed the transaction and forwarded a receipt listing it as completed and I e-signed a receipt with the last four digits of my card on it.
Aftergaining access to the platform, I found the contents extremely poor and not usable.
Although I received a receipt, my credit card was never authorized or charged for the transaction. 45 days after 12/18/19, I cancelled my card account. Am I still liable if they never charged, but theyhave signature?
They recently contacted me (I have not responded) claiming that the funds were "on hold" for over 60 days and have just been released. My card company says there are no holds or authorizations. Should I respond to the merchant? Can I be sued?
A: Without a full review of all facts and documents, no one can opine definitively here, but, your point "Aftergaining access to the platform, I found the contents extremely poor and not usable." is likely the best place for you to focus your efforts when push comes to shove. Good luck with it.
Justia Ask a Lawyer is a forum for consumers to get answers to basic legal questions. Any information sent through Justia Ask a Lawyer is not secure and is done so on a non-confidential basis only.
The use of this website to ask questions or receive answers does not create an attorney–client relationship between you and Justia, or between you and any attorney who receives your information or responds to your questions, nor is it intended to create such a relationship. Additionally, no responses on this forum constitute legal advice, which must be tailored to the specific circumstances of each case. You should not act upon information provided in Justia Ask a Lawyer without seeking professional counsel from an attorney admitted or authorized to practice in your jurisdiction. Justia assumes no responsibility to any person who relies on information contained on or received through this site and disclaims all liability in respect to such information.
Justia cannot guarantee that the information on this website (including any legal information provided by an attorney through this service) is accurate, complete, or up-to-date. While we intend to make every attempt to keep the information on this site current, the owners of and contributors to this site make no claims, promises or guarantees about the accuracy, completeness or adequacy of the information contained in or linked to from this site.
