I recently discovered a charge for $944.65 to my Visa which I did not authorize. I called the bank's customer service and was told to explain the situation in writing. In November, I gave my credit card for a deposit of $944.00 on custom window treatments. I was not told by the sales rep that the credit account information would be put on file and the dealer would use it again nor did I authorize usage of the card for anything but the $944 deposit. In December, the installer showed up to our home with part of the order incorrect. We've contacted the sales rep several times but she has not gotten back to us. Meanwhile, my Visa was charged for the balance without my permission. The bank claims it's a "quality of service" issue and will not dispute the charge. Do I have any recourse?The bank says I must do the following before it will intervene: 1) exhaust all efforts with the merchant 2) obtain a letter from another merchant stating service was of poor quality 3) get from that merchant an itemization detailing the dollar amount to be disputed 4) list dates of contact with the merchant with whom I have the dispute and names of people at the company. I do not understand why the bank won't attempt to substantiate that the merchant has no written agreement giving it permission to charge my Visa and no signature from me.