Legal Question in Consumer Law in New York

Car dealership scam! Will not refund my deposit!

On 6/18/07, I went to Bay Ridge Mazda in Brooklyn to buy a new car. The dealer made me fill out and sign a ''bill of sale'' which indicated the selling price of the car, my down payment ($2500), and authorized the dealer to run my credit score for financing purposes. He then swiped my credit card and charged me $2500 for my deposit/down payment. This bill of sale was not a final sales contract in which all the financing terms were laid out.

In the end, we disagreed on the final price of the car and the deal was cancelled. I received a receipt of the $2500 down payment charge against my account, but NEVER received a receipt of that money getting refunded and credited back to my account due to the cancelled sale. Instead, the dealer insisted that I was not entitled to a signed copy of the bill of sale, so he gave me a copy of the following handwritten note, ''Customer's $2500 will be refunded to her account by 6/19/07 (Signed, [dealer's name]).'' I then left the store and checked my credit card account online the next day to see if my $2500 was refunded. Sure enough, it was not. That day (6/19), I called the dealer to complain, and they assured me that it would be done in 20 mins. I checked my acct the next day and again, the money

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