I have a dispute with a credit card company. I would like to know my rights and my options. Here is the situation. An Israel based group offered to sell me a language course. It was a year long course. I told the telemarketer that I was not sure I had enough free time to take such a course. The telmarketer told me that I could pay monthly and stop at any time. After 3 months I tried to stop and was told that the agreement I "signed" on-line said I would pay for the whole course whether or not I finished it, and had no provision for stopping without paying. My credit card company, Amex, looked into the matter and said I had to pay. This is the first time in over 30 years with Amex that I tried to cancel a payment. I am not happy with Amex. Was Amex correct to decide for the Israeli company, accepting their electronic record over my statement about what the telemarketer said? Why did my statement not satisfy whatever burden of proof that is needed? In any case, what are my rights and my options? (For example, can I take either the Israeli company or Amex to small claims court in New York, where I live.) The amount involved is $666.00.
Update: I called Amex and asked to speak to a supervisor. He told me that the vendor has a cancellation policy. So, technically, they did not bill me for tuition after I told them to stop such billing. Rather the vendor billed me for a cancellation fee. However, when I spoke w the telemarketer and gave him my credit card info I was not told about and did not authorize a cancellation fee. The vendor sent me terms and conditions after the fact. Amex also told me that the vendor said they have a recording of the sales call. I have contacted the vendor and asked that they review that recording.