Legal Question in Credit and Debt Law in Pennsylvania

I don't know really what I am dealing with from your post.

Am I to assume that you signed up for some goofy service promising to help you get your mortgage paid faster and then you cancelled? In that case, your credit card company has no real duty to investigate anything.

You have 60 days to dispute a charge which shows up on your credit card statement - it can be for either a fraudulent charge or for a charge for a product or service that you never received. I have also disputed charges that fell under the fraudulent category where I made the charge but the company told me I could cancel at any time and then refused to cancel.

You have no recourse against the credit card company. Most do jack doo-doo to investigate unless you have more documents that you provided to them. Did you? My credit card is through my credit union and they were more inclined to go to bat for me than the average credit card company. You can try to demand a refund from the mortgage servicing company who provided this "service" you signed up for. If they will not budge, consider it an expensive lesson learned. And go find another credit card company. If they will not go to bat for you then they do not need your business. Take it elsewhere.

You can do the bi-weekly thing on your own without signing up for any high-priced service. simply divide your monthly mortgage payment by 12 and pay that much extra per month on your mortgage. the extra will go to principal and will post immediately when you make your payment. since you will pay extra on principal each month you will be charged less in interest. while this is slow going at first it will make a difference later. also, look to see if you can get a 15-year mortgage - that will involve you paying a bit more but at a lower rate you will get it paid off faster.