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I disputed a charge on my credit card for services not rendered, as stated, from a merchant.
My card issuer sent me a letter stating they had reached out to the merchant and the merchant had not replied, so I was credited the money back on to my card.
The issuer's letter further stated that if I did not hear from them (the issuer) by a certain date, the matter would be considered closed. I did not hear back.
The reversal of the charge took place recently (after that certain date), and now the merchant has contacted me asking for the money.
I spoke with the issuer and was told that the merchant received the same previously mentioned correspondence I had received.
What are my obligations?