[lxgr]

> If it looks like it's going to take them much time or effort to deal with it they're liable to just throw up their hands and let you duke it out in small claims court.

In the US, couldn't you just make it their problem by not paying the disputed portion of your bill? (I haven't tried this myself and don't know how hard it is to dispute a negative credit report without going to small claims court in the end.)

[NavinF]

In theory yes, Reg Z forces them to prove that it was you that borrowed the money. In practice this is a weird situation to be in since chargebacks almost always favor the buyer so I have no idea how this shakes out and if it's worth temporarily screwing up your credit score