Payment Dispute Legal Guidance

Summary

If you have a receipt showing payment but your bank statements show no charge, you are not liable under New Yorks Uniform Commercial Code (UCC). Merchant errors do not make you liable. ACH transactions require an active account, and disconnection prior to the transaction absolves you of liability. Relevant UCC sections include 4-401, 4A-201, and 4A-305. Consult an attorney for further details if accusations persist.

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I bought some weed from an nyc dispensary back in Nov *. I get an email and call in June * from the same dispensary saying the payment never went through, i have receipt saying the payment was accepted but my bank statements show i was never charged. I reached out to Stronghold Payment Support and they said it was a merchant error. Am i still liable?
Under New York law:
- You've proof of payment i.e. receipt, thus not liable.
- Merchant error doesn't make you liable.
- If they persist, consider contacting a local consumer protection agency or attorney.
They keep accusing me of disputing the payment/disconnecting my bank account after the order but i actually disconnected my bank account 20 days before the order so the order should have never gone thru in the first place since it was an ACH transaction no?
As per New York law:
- ACH transactions can't occur without an active account.
- Disconnection prior to the transaction absolves you of liability.
- Any error is the merchant's responsibility, not yours.
- Consult an attorney if accusations persist.
What specific law states this?
New York's Uniform Commercial Code (UCC) governs these situations. Specifically:
- Section *-*: A bank may only charge an account based on a properly payable item.
- Section 4A-*: An originator is not liable for payment unless the originator received payment.
- Section 4A-*: Liability for late or mistaken payment.
You might want to consult an attorney for more details.
Am i not liable even if my statements show i was never charged
Under New York's UCC:
- Unless the originator (you) received payment, you're not liable (Section 4A-*).
- Your bank statements showing no charge support this.
- Seek legal advice for further clarification.