If you paid for defective goods or services on your credit card and the merchant will not resolve the problem, you can file a dispute with the credit card company using a procedure called, Claims and Defenses.
What are claims and defenses?
Claims and defenses are any valid reasons you have for not paying a certain credit card charge. They include billing errors, unauthorized charges, and claims that goods or services were misrepresented, defective, or not delivered.
The credit card company can be held responsible under Federal law (15 USC 1666i).
How do I assert claims and defenses?
You assert your claims and defenses by writing to the credit card company showing that you tried to resolve the problem with the store directly but they refused to remedy the problem. Tell them you are withholding payment until the problem is resolved.
Are there any limitations on raising claims and defenses?
Yes. In order to assert claims and defenses, the purchase must have been made in the same state you live in, or within 100 miles of your home. Also, the amount of the disputed charge must be more than $50.
If the credit card company...
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