I'm new to the forum here, which I found as I am doing research trying to find out my rights.
Basically, we are talking about a charge of $75, which I charged back LEGITIMATELY.
Without going into the details, I was over-billed by an internet merchant. I then contacted them about the matter. They argued with me, and when I did not go away, they tried to intimidate me.
What they told me is that they would add all kinds of charges, in order to pursue the chargeback amount. They then told me that they would take me to court, and I would have to go to the state of their corporate office, or else I would automatically lose. They told me that I would be liable for their attorney fees, and all other "costs" neccessary to recoup the chargeback.
I went ahead with the chargeback, but did not even file for the full amount of the charge. I only charged back the overbilled amount (which was billed separately).
Now I've received a letter, including the chargeback amount, and a "$500 CC Chargeback fee", along with a few other miscellaneous fees.
Do I need to contact an attorney?
What can this merchant honestly do to me?
What I am more worried about (because I am skeptical that they would even win a court case, as my chargeback was legit), is them hiking this amount up to a large figure, and then trying to put it on my credit.
Can you all help me please???