STYLETHREAD -- LET'S TALK SHOP!

Kitty wrote:

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esquiress - it IS a bank of america card.

I really don't understand it either. They're telling me that because I gave me cc info WILLINGLY to them at one point, that this is now a billing issue and NOT fraud. I really don't get it and I think I am being screwed.

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Okay, it appears this is a matter of classification.  This is my advice:

1 - Confirm with the bank that while resolving the dispute, they will defer interest and payment on the portion of the bill in dispute

2 - Get the name/employee number of the person handling the dispute

3 - Record each conversation and the name of each person you have spoken with at the bank

4 - Record (email is a good option) each request you have made to the boutique owner to sort this out

5 - Request in writing to the boutique owner (email is a good option), that she call the supplier and have them do a credit and recharge and ask her to do so by X date (within the next 2-3 days seems reasonable)

6 - If not done by X date, follow up with her in writing that she didn't meet your agreement/request

7 - Provide the bank your letter/request detail from 5/6 if the boutique owner does not do the above

8 - If the above doesn't resolve the issue, file a police report against the boutique owner with above documentation 

The issue here is that banks get hundreds of claims each day.  The classification of your issue shouldn't obstruct successful resolution for you, so long as item #1 is clear.