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Diamondsfullofclubs t1_jdu1pje wrote

Reply to comment by Kindly-Tangerine-327 in TIFU at a strip club involving drugs and massive credit card charges. by HurrySad4253

A lawyer won't have much to tell OP.

Dispute the credit card fraud and avoid Dallas.

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LadyBug_0570 t1_jdvwqc5 wrote

But would the credit card company consider it fraud? He did authorize the charges, after all, even when the cc was flagging this as an issue. Even his drug usuage wouldn't help him since he voluntarily took the drugs (and his other friend didn't).

Now the strip club? They WERE predatory. 100%. Is there something that can be done against them?

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j_blatto t1_jdwp6h0 wrote

You can't authorize something while intoxicated or under duress. It's not legally binding.

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LadyBug_0570 t1_jdwr6t3 wrote

Im just saying how the cc might see it. They weren't there and all they know is he authorized it. Otherwise anyone who makes a crazy purchase on their credit card can say, "I was drunk/high/had a gun to my head when I made the purchase" and get a chargeback and cc companies are not in the business of losing money because you willingly impaired yourself.

Now, the strip club? They knew what they were doing. He needs to go to an attorney before the police for that one.

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SolidPoint t1_jdyvsgw wrote

That’s how you want it to work- that’s not how it works.

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j_blatto t1_je0wgym wrote

I'm not sure on CC law. I negotiate contracts for a living. A contract can't be legally binding under certain circumstances such as duress (used car salesman refusing to give you back your keys to force you to sign) or if you're not in a right state of mind.

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HurrySad4253 OP t1_jdxxx98 wrote

Yeah, I don't see any way out of the charge. They covered all their bases, and we fell right into their trap. There will definitely be some financial damage here, and I will be paying for it for a while. We just keep telling ourselves at least we're home, alive, and not in jail. I just hope that someone sees this and thinks twice about going out to these clubs because this stuff happens. We're not partyers, we don't go out and do this stuff, we're both recently single it was my birthday and we just wanted to have a good time. If it happens to us, it can happen to anyone. Heck, half the people in this thread keep telling me to go watch the movie Hustlers. I might watch it eventually but the last thing I want to do right now is keep thinking about this whole thing.

I appreciate all the help guys . Just be careful out there <3

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LadyBug_0570 t1_jdxzc24 wrote

You really should follow the advice of those who said talk to an attorney and not the cops. You may not be able to get your money back, but you might be able to get this club shut down. Could help the next guy whose thinking like you did.

I mean you could TRY challenging it with your credit card company, but it probably won't do any good.

> We just keep telling ourselves at least we're home, alive, and not in jail.

That really is the most important thing. You're safe at home and not in jail. Or on a gurney in the morgue.

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OC-Dilly t1_jdxswbu wrote

It’s illegal to purchase drugs with a credit card so the card company wouldn’t honor the purchase if you told them the truth.

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LadyBug_0570 t1_jdxuxim wrote

Which is probably why the strip club didn't put the charge as "$9,000 for cocaine off of a stripper's ass" and instead charged it as "service fees". And then videotaped him authorizing the charges after having his high ass calling the cc company authorizing the charges (he mentions this in the comments).

Soooo... prove your statement in a court of law against the credit card company that fronted him the money to conduct his illegal activity that he know owes money to.

The cc company is covered on their end with plausible deniability, especially since none of them were there. And they're not the ones who paid for titties or drugs, so guess what? That falls to OP. He charged it.

But let's pretend the cc company doesn't pay out because what he did was illegal. How does that cancel out the debt to the strip club owners? And are these the kind of guys who'll sue or break your legs to get their money?

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