Can a company transfer a purchase from someoneselse’s credit card to yours without contacting you?
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Can a company transfer a purchase from someoneselse’s credit card to yours without contacting you?
I met a man who wanted to build a cabin to sell. We where to split the costs and profit 50/50. During the process of building my partner purchased all the materials and I paid for the labor and the share came out about even. After the place was sold a few months later I noticed a charge on my credit card entitled as a misapplied sale. Using my records I was able to find that the materials where for the cabin. I contacted the store and they said to contact my credit card company who said it was a transfer from his credit card to mine. Can the store legally do that without calling me?
Asked on July 23, 2011 Wisconsin
Answers:
M.T.G., Member, New York Bar / FreeAdvice Contributing Attorney
Answered 12 years ago | Contributor
No, they can not. I have tried to think of any good explanation for their doing this and I really can not come up with any at all. The fact that the two of you have a relationship that spanned a business agreement, it really makes no difference that you have that relationship here. The seller of the materials was not a party to that agreement and really has no standing - ability - to pass on it in any way. And even if you were just friends they could not transfer his debt to your card. Is it possible that you co-signed the other card in the application process? It would still be a different account number and their right to combine the accounts would be limited to the agreements. Please get help here. Good luck.
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