Legal Question in Credit and Debt Law in Virginia

Dear Sir/Madam,

I had a problem with the Luminant Skin company. I was promised free product, I paid only for shipping $4.40. They charged my credit card for over $90 dollars. I called to vendor, they credit money to my credit card and canceled my order. After the conversation with the vendor I called my credit card twice and told them not to accept charges from Luminant Skin company. Month later the charges again appeared on my statement. I called credit card and remained that I did tell not to accept charges from this vendor. The credit charges to my credit card. Month later charges appeared again. The credit card ignored my request and accepted charges any way. Now it's in dispute with CFPB. While it in dispute credit card charged me late fee twice.

My questions are:

Whether credit card has a right to accept charges when I asked them not to?

Does credit card has right to charge late fee while the case in dispute

Thank you


Asked on 6/21/14, 9:07 am

1 Answer from Attorneys
Michael Hendrickson Law Office Michael E. Hendrickson

One problem may be that you apparently failed to put your request in writing to

your card issuer to issue a charge back on this particular transaction and instead relied on telephone calls to effectuate your request (which is almost always a mistake and not in compliance with the applicable law which normally governs this particular issue as I understand it).

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Answered on 6/21/14, 9:47 am


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