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Credit Card SNAFU; what would you do?

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Credit Card SNAFU; what would you do?

Old 01-14-2017, 03:30 PM
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Default Credit Card SNAFU; what would you do?

Took my car in for paint work and the shop did a lousy job. They don't let you have the car without paying, of course. I took it back to them, they admitted doing a junk job. I asked to let me take it elsewhere and they said, "No", they wanted to show me that they could do a factory-perfect job.
The second time I picked up the car, it had broken parts, missing trim, and trash in the paint. The owner said, "I ain't doing another thing to your car. I'm done with it".

I had to take it to another shop in order to order replacement bumper and trim pieces, and paint/install them. I paid them cash after the CC company told me that they would credit our account.

8 months later they send a letter telling me that they are reversing the charge-back because the shop actually did paint the car. I have sent the CC company complete documentation that included the second shop's charges, and list of parts that needed replacing.

My dispute letter wasn't addressed, no phone call to me to discuss or ask questions; just a charge-back (which I will never pay). The amount is several thousand dollars, FWIW.

Looks like my credit will take a hit while the several thousand dollars accrue interest until eternity. Calls and letters to the CC company get nowhere, so is there any way out of this gerbil cage?
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Old 01-14-2017, 03:38 PM
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Sue the paint shop. That's really what you were supposed to do in the first place.
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Old 01-14-2017, 03:39 PM
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Pay your card. You have enough to take em to court
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Old 01-14-2017, 03:43 PM
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Originally Posted by t84a View Post
Sue the paint shop. That's really what you were supposed to do in the first place.
I got the reversal on the card, and it was reversed for long after the, "Two billing statements", cycle that the CC company told me it would take. You can't sue for money you didn't spend or damages you didn't incur.
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Old 01-14-2017, 03:45 PM
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Yeah, pay the credit card, then take the paint shop to small claims court. In Alabama the limit is $6000. http://www.alabamalegalhelp.org/reso...l-claims-court
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Old 01-14-2017, 03:45 PM
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I would at least pay the minimum due on card while you are disputing it. You don't want negative credit report. This will screw you down the road.
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Old 01-14-2017, 03:47 PM
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Originally Posted by STEELA View Post
Pay your card. You have enough to take em to court
I agree that I can file in small claims court against the shop, but courts can split the baby in half without blinking an eye. Also, the shop can show the judge that the CC company found in their favor after whatever investigation he says that they did...so there's precedent that the judge might follow.

Given the choice of paying, then filing in small claims court, or just not using the card anymore and letting the charges accrue forever, I'll take the sure bet. Is there another option?
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Old 01-14-2017, 03:47 PM
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Originally Posted by bamaboy473 View Post
You can't sue for money you didn't spend or damages you didn't incur.
You did pay the money. You just haven't settled with your credit card company.
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Old 01-14-2017, 03:49 PM
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Stopping payment on a credit card is for when you don't receive something not for crappy work. If you have a case, sue them.
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Old 01-14-2017, 03:49 PM
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Originally Posted by bamaboy473 View Post
Given the choice of paying, then filing in small claims court, or just not using the card anymore and letting the charges accrue forever, I'll take the sure bet. Is there another option?
What sure bet? The CC company will send it to collections. You're not going to be able to ignore it forever, and the interest and fines will get out of hand in a hurry.

Your beef shouldn't be with the CC company. It's with the paint shop.
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Old 01-14-2017, 03:51 PM
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Originally Posted by padidvr View Post
I would at least pay the minimum due on card while you are disputing it. You don't want negative credit report. This will screw you down the road.
They removed the several thousand dollars for 8 months, and it is supposed to show up on next month's bill; 9 months after the fact.

No disputing left because they are claiming that they fully investigated the matter.

While I don't like having a negative credit report, the CC company said that they are notifying all 3 agencies about the dispute. If I lose 100 poiints over this, that isn't an issue I would lose sleep over.

It's like going to a dentist for a crown which doesn't fit right. Go back and dentist then puts another bad crown on, and also breaks a few teeth, and pulls (loses) a few more. Do you pay him?
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Old 01-14-2017, 03:54 PM
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It looks like the credit card company believes the shop's story more than yours. Given that, I hope you go better prepared if you do sue.
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Old 01-14-2017, 03:55 PM
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Originally Posted by FlyingDiver View Post
What sure bet? The CC company will send it to collections. You're not going to be able to ignore it forever, and the interest and fines will get out of hand in a hurry.

Your beef shouldn't be with the CC company. It's with the paint shop.
What's the worst that a collections company can do?

My beef ...was...with the paint shop until the CC company took the reins and credited my account. Now that they have reversed that charge, what will a court think if I tell them that the CC company reversed charges 8 months later....but have zero information about why they did so?

If I were a judge, I'd think something wasn't being said; despite my photos.
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Old 01-14-2017, 03:55 PM
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Originally Posted by bamaboy473 View Post
They removed the several thousand dollars for 8 months, and it is supposed to show up on next month's bill; 9 months after the fact.

No disputing left because they are claiming that they fully investigated the matter.

While I don't like having a negative credit report, the CC company said that they are notifying all 3 agencies about the dispute. If I lose 100 poiints over this, that isn't an issue I would lose sleep over.

It's like going to a dentist for a crown which doesn't fit right. Go back and dentist then puts another bad crown on, and also breaks a few teeth, and pulls (loses) a few more. Do you pay him?
You don't just stiff people. It will be a lot more than 100 points.
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Old 01-14-2017, 03:56 PM
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Originally Posted by bamaboy473 View Post
They removed the several thousand dollars for 8 months, and it is supposed to show up on next month's bill; 9 months after the fact.

No disputing left because they are claiming that they fully investigated the matter.

While I don't like having a negative credit report, the CC company said that they are notifying all 3 agencies about the dispute. If I lose 100 poiints over this, that isn't an issue I would lose sleep over.

It's like going to a dentist for a crown which doesn't fit right. Go back and dentist then puts another bad crown on, and also breaks a few teeth, and pulls (loses) a few more. Do you pay him?
The credit card card company didn't paint the car.
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Old 01-14-2017, 03:57 PM
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Originally Posted by t84a View Post
It looks like the credit card company believes the shop's story more than yours. Given that, I hope you go better prepared if you do sue.
I agree with you; and the CC company never wanted any photos, never contacted the second paint shop, and never contacted me except for one time when they said they were crediting the account in full.

My preparation for suing would be photos and the second shop's bill and possible testimony.
However, I don't care to go the court route.

What's the worst a collection agency can do on a disputed charge? Sue me?
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Old 01-14-2017, 03:59 PM
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Originally Posted by t84a View Post
You don't just stiff people. It will be a lot more than 100 points.

I stiffed nobody. The second company charged more than the original company.

I waited until I got a credit before I went to get the car fixed, and now that I have paid the second shop, I don't need to pay for the first shop's bad job. Would you?
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Old 01-14-2017, 04:01 PM
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That debt will never go away. Whenever you apply for a car loan, mortgage, another credit card, whatever, this will show up. You will get letters and repeated phone calls demanding payment. That's about it.
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Old 01-14-2017, 04:02 PM
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Originally Posted by bamaboy473 View Post

What's the worst a collection agency can do on a disputed charge? Sue me?
Don't k ow. From what I've seen to others---nothing. But you probably have worked hard all your life, paid your bills on time and generally been a contributor to society. Man, are you hosed.
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Old 01-14-2017, 04:02 PM
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Your issue us with the body shop not the credit card company.

You cannot just stiff the credit card company over what you perceive as shoddy work.
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