Can I be reported to debt collectors and credit bureaus after a chargeback is settled in my favor?

[joebloggs]

Where exactly is the online service located?

Washington State, USA

 

[quincy]

Washington State, USA

So ... Florida, New York, and Europe have nothing at all to do with the website?

 

[THS Warrior]

What is the name of your state? Florida

If I dispute a charge on my bank's credit or debit card and the funds are credited back to my card followed by the bank settling the dispute, can the merchant still try to recover the funds from a debt collector or report me to credit bureaus? Also, is there a timeframe after the dispute being settled where a merchant can sue me? How many months or years is it?

Yes, unfortunately any creditor can sell their uncollectable debt to a debt collector (usually for pennies on the dollar); and then the debt collector can try to collect it, usually by "harassing" the debtor on the telephone or by email--and I suppose now even by text messaging, The debt collector can also try to sue the debtor in small claims court--or a higher court depending on the amount. The creditor can also report the debt to a credit bureau. Solution: Hire a very experienced banking lawyer to fix all these problems.

 

[quincy]

... Solution: Hire a very experienced banking lawyer to fix all these problems.

The amount of money involved is only a couple of hundred dollars. A “very experienced banking lawyer” would cost far more than that.