Q: Can a company I owe money to, charge me different smaller amounts instead of the amount thats owed till my credit card g
After help with a uhaul for my folks I found they racked up an extra 270. They kept charging my card but it wouldn't go through many times. I called them n let them know I'll set up a payment plan. Then instead of charging my card randomly for 270 they started charging my card for 250, 220, 200, n now 150. Now the 150 my cc allowed even though I'm over my balence. Can they do that? My cc won't do anything till it's posted but it seems unethical a bit
A:
Under California law, a company you owe money to can charge your credit card for smaller amounts instead of the full amount owed, but this practice raises ethical concerns. If you have set up a payment plan with the company, they should follow the agreed terms rather than charging your card in smaller, unpredictable amounts. It seems like they are attempting to get any available funds without your explicit approval for each transaction.
Your credit card company may not take immediate action until the charges post, but you should contact them to report this issue and request that these charges be flagged. You might also want to dispute any unauthorized charges once they post to your account. Make sure to document all communications with both the company and your credit card issuer to support your case.
To protect yourself, consider requesting a new card number from your credit card company to prevent further unauthorized charges. Additionally, you could seek advice from a consumer protection agency or a legal advisor to explore your options. It's important to ensure that any payment arrangements you make are clearly understood and agreed upon by both parties.
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.
