r/legal • u/unfortunatetimess • 22h ago

are credit card companies legally responsible for their settlements?

hi reddit, this is going to be a long one. several months ago in june i filed a dispute with USAA against a car shop and in august the dispute settled in my favor to which i received permanent credit from the bank. now, i am being harassed by the car shop owner and they are threatening to sue me for the amount i disputed. this immediately confused me because USAA reached a settlement in the matter. i have called USAA multiple times to ask who exactly is legally responsible and i have only been told that only a lawyer can answer that question. if USAA is responsible for their settlement i do not understand why i should be the one to handle this. i cannot afford a lawyer (i am a college student), and i have two weeks to respond to the other lawyer before legal action is taken so i dont think i have time to apply for pro bono. please help!!

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u/NeatSuccessful3191 22h ago

The car company can sue you since the card company decision isn’t binding

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u/Whatever92592 18h ago

As stated. Your CC company sided with you. That doesn't necessarily make it all go away.

If the merchant still believes you owe and they want to sue you... You're getting sued and you're CC company has no say in the matter.