Also this was a verbal contract over the phone? Does that matter?
yes it does. It was a contract.
Now, the problem you would have prevailing is:
is the 72 hours their normal policy? Do they live and die by that policy?
If the answers are yes, you will have a difficult time winning in court.
If they are lax about it or you have something to support your side, you might prevail.
If you stand by your position that you acted within the time limit given you, at least dispute the charge through your credit card company. See where that gets you. That action would not be seen as criminal since you do not control whether the charges are dropped.