Legal Question in Credit and Debt Law in Massachusetts

For months I disputed a $75 credit card charge, and after a long series of back-&-forth correspondence, the credit card company was satisfied and removed the charge. But I had such a bad experience with their customer service that after the disputed charge was reversed and my account credited back with the $75, and after all other charges due them were paid up, I canceled the card. At that time my balance-due showed $0. Two months after my card was cancelled I received a letter from the credit card company saying that they "reversed" their previous reversal, and that I re-owed them $75. Can they do this? I have all my correspondence, the paper statements showing the reversal of charges and my balance-due of $0, etc.

Asked on 9/24/09, 5:11 pm

Warren Wood Law Offices of Warren Wood

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Based on what you state, it sounds as if they are in violation of federal law (Fair Debt Collection Practices Act) and state law (MGL Chapter 93A).

This Office often assists consumers who feel they have been harmed under both laws. Initial consultations are often free.

Answered on 9/29/09, 5:25 pm

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