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I used my Santander MasterCard to start a layaway on a

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I used my Santander...

I used my Santander MasterCard to start a layaway on a sweater and a used Louis Vuitton bag. I wasn’t able to complete the layaway and the store kept the $361 deposit and the merchandise. They refused to give me a store credit. I disputed the charge with the bank who decided against me. The bank said the charge was authorized. Is there anything I can do to get my money back? I’m positive the store went on to sell the sweater and handbag, so they double-dipped on the same sale while I’m left with nothing. Thank you.

Lawyer's Assistant: You can email***@******.***. JustAnswer is backed by a 100% satisfaction guarantee. So if our Customer Care team can't address your issue, and it's been 30 days or less since you paid to ask your question, they will refund your money. What state is this in? And when did the issue begin?

The state is NJ. My first dispute to the bank under MasterCard protection was 12/28/17. I appealed the dispute on 2/27/18.

Lawyer's Assistant: What steps have you taken so far?

I disputed the charge with Santander twice and lost.

Lawyer's Assistant: Anything else you want the lawyer to know before I connect you?

I want my money back!

Lawyer's Assistant: You can email***@******.***. JustAnswer is backed by a 100% satisfaction guarantee. So if our Customer Care team can't address your issue, and it's been 30 days or less since you paid to ask your question, they will refund your money.

The $361 back, not a Just Answer fee.

Submitted: 4 months ago.Category: Consumer Protection Law
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Answered in 21 hours by:
3/24/2018
Consumer Protection Lawyer: Josie-Mod,
 replied 4 months ago
Josie-Mod
Category: Consumer Protection Law
Satisfied Customers: 12
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Hi, I'm Josie, a moderator for this topic.
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Customer reply replied 3 months ago
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Consumer Protection Lawyer: Phillips Esq., Attorney-at-Law replied 3 months ago
Phillips Esq.
Phillips Esq., Attorney-at-Law
Category: Consumer Protection Law
Satisfied Customers: 22,423
Experience: B.A.; M.B.A.; J.D.
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Hello: This isCustomer Welcome to JustAnswer! I am reviewing your post, and I will post my response very shortly. Thank you for your patience.

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Consumer Protection Lawyer: Phillips Esq., Attorney-at-Law replied 3 months ago

I am so sorry to read about your difficulties.

Kindly note that I just came across your post. I do not have control over the question list or the promises made to you by the site as to the response time. I am just a site user just like you. Nonetheless, I apologize for the delay in response to your post.

Kindly give me a few minutes to prepare my response.

Thank you for your patience.

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Consumer Protection Lawyer: Phillips Esq., Attorney-at-Law replied 3 months ago

Well, the store's action is illegal.

Your bank should not have sided against you because eventhough you authorized the charge, you never received the merchandise.

The store must return your money. If not, you need to file complaint with your Attorney General's Office. If the Office does not resolve your issue, then you need to file a Small Claim. You should also ask the Court to order the store to pay for your Court fees. This is just ridiculous.

Click here for Small Claim forms and instructions.

Goodluck with your case,

A 5-star positive rating to my response is appreciated so that I can receive credit for responding to your post. There is no additional cost to you for giving a positive rating. However, that is how I get paid for answering questions on this site.

Thank you for your cooperation.

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DISCLAIMER: Answers from Experts on JustAnswer are not substitutes for the advice of an attorney. JustAnswer is a public forum and questions and responses are not private or confidential or protected by the attorney-client privilege. The Expert above is not your attorney, and the response above is not legal advice. You should not read this response to propose specific action or address specific circumstances, but only to give you a sense of general principles of law that might affect the situation you describe. Application of these general principles to particular circumstances must be done by a lawyer who has spoken with you in confidence, learned all relevant information, and explored various options. Before acting on these general principles, you should hire a lawyer licensed to practice law in the jurisdiction to which your question pertains.

The responses above are from individual Experts, not JustAnswer. The site and services are provided “as is”. To view the verified credential of an Expert, click on the “Verified” symbol in the Expert’s profile. This site is not for emergency questions which should be directed immediately by telephone or in-person to qualified professionals. Please carefully read the Terms of Service (last updated February 8, 2012).

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