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Question DetailsAsked on 9/18/2017

What if a contractor charges to your credit card, but refuses to provide an itemized invoice?

I hired a contractor to do some general carpentry work around my place. The work was completed in a sloppy and poor manner. They have since placed several charges on my credit card for "time and materials". I know from my experience as a professional carpenter that the numbers are padded. After multiple requests they refuse to provide any sort of detail or invoice.

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1 Answer


Here is a prior similar question with answers FYI.

Basically, if he does not document and justify the costs, you should not pay - he has to prove the legitimacy of his charges, UNLESS these are progress payments agreed to leading up to a fixed price for the total job. If that is the case, as long as he does not go over the contract amount he normally would not be obligated to give you invoicing until the end paid-in-full invoice with final payment - though contractually unless the progress payments are tied to speicifc completion milestones (which represent the work done) the contract should require documentation for each payment.

I don't know how he got your card info - but if you used it say for an initial or down payment, he does not have the authority to charge to it again without your permission - that is credit card fraud.

Depending on your relationship with him, you could demand a refund down to the amount you think you owe for what work he did acceptably (if any), or you could (assuming you are within the required complaint time for your credit card company - typically as I remember about 60 days after the bill the charge appeared on) contact the credit card company (call initially but the complaint has to be in writing to be legal) per the instructions on back of your credit card bill, telling them this was an unauthorized charge by a vendor who had your card info from a previous transaction - they have to refund the charge during investigation.

The poor quality work - if he will not bring it up to snuff (probably not likely able to, and probably will not do so if you cancel the credit card charges) then you can call his Bond, for the bonding company to pay for the work to be done right.

You can also, going nuclear, charge them with criminal credit card theft if you want to get real nasty.

You should do some research on credit card charge protections for you.

I won't ask, if you were a professional carpenter, why you did not do it yourself, why you did not get a reputable professional contractor if you are unable to do it yourself, and why you did not have a firm price contract with specific payment terms. From your experience of hearing horror stories in the trades you should have known better than to get into a time-and-materials job for more than a very short (few hour) one-time repair like a plumbing leak or such.

And of course, after all is said and done, sounds like an appropriate Review on Angies List would be in order.

Answered 3 years ago by LCD

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