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Ask Ely Your Own Question
Ely, Counselor at Law
Category: Legal
Satisfied Customers: 102343
Experience:  Private practice with focus on family, criminal, PI, consumer protection, and business consultation.
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Ely are you available? : credit card dispute

Customer Question

Hi Ely are you available?
JA: Thanks. Can you give me any more details about your issue?
Customer: credit card dispute
JA: OK got it. Last thing — Lawyers generally expect a deposit of about $36 to help with your type of question (you only pay if satisfied). Now I'm going to take you to a page to place a secure deposit with JustAnswer. Don't worry, this chat is saved. After that, we will finish helping you.
Submitted: 1 year ago.
Category: Legal
Expert:  Ely replied 1 year ago.
Hello and thank you for requesting me.
What can I answer for you?
This is not an answer, but an information request. I need this information to answer your question. Please reply, so I can answer your question. Thank you in advance.
Customer: replied 1 year ago.
The question is about disputes on credit card charges on my accounts. I went to a strip club last week Tuesday. I was charged $3400 on my Visa card, $1920 on my Amex, and $1100 on my Mastercard. Over $6,000.00. It was originally over $9000 but as of this morning the strip club has reversed an $1800 charge and another $1920 charge. (Yes, it was ridiculous).
I was very very drunk and blacked out and have no recollection. BUT, i feel I was taken advantage of... probably even drugged.My question is this, now that I've disputed it with my credit cards, they've all said they're going to investigate the charge and one of them has given me a temporary credit.a) what if the strip club shows receipts?
b) will the banks care to figure out if my signature was forged?
c) will the bank take my word on this?
d) do I have any recourse if the banks deny my claim?
Expert:  Ely replied 1 year ago.
I am sorry to hear about this situation. The merchant accounts will investigate to see if the charges were AUTHORIZED. That is all. They are not a court of law. So all they will care about is whether or not the charge was authorized (by you).
If they approve the charge after all, then someone in your situation can still go to Court to seek money back from the strip club. The argument that would be made is that one lacked mental capacity at the time of the transaction, and then it would be up to the Court to decide.
a) what if the strip club shows receipts?
The merchant account would likely authorize the charges. If so, then one can still try the court and see if one can get the money back for claiming lack of mental capacity.
b) will the banks care to figure out if my signature was forged?
No. They generally will accept a signature at face value. If one claims it was forged, this would be up to the court to decide.
c) will the bank take my word on this?
See above. Likely if one admits being at the club, the merchant will authorize any charge with a signature. I say likely not not 100% of course.
d) do I have any recourse if the banks deny my claim?
Yes - you could go to court (as explained) but then it would be up to the Court to decide. Whether or not this is of course worth your emotional and financial investment is up to you.
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Expert:  Ely replied 1 year ago.
Hello again. This is a courtesy check in to see if you needed anything else in regards ***** ***** question because you never responded or replied positively. I am simply touching base. Let me know. Thanks!