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Comment by UpshotKnothole | Hacker News Reader

Legally they can take it up with the CC company, not you, and then if they win (they won’t) your CC will charge you.

They can suspend your account, take you to collections, and put a negative report on your credit score. At least in the US, other countries may be different.

They can always do whatever they want to your Uber account, because TOS’ are jokes. The rest they can only do to your CC company, they can’t ding your credit report or anything of the sort. I don’t know where you’re getting that idea.

For example: https://blog.credit.com/2015/06/think-you-won-your-credit-ca...

A quick google search reveals lots more, and none that I saw saying companies can’t come after you for a disputed charge. Most won’t, and most of those that do will only do it if they can clearly show they’re in the right, and you should be able to beat any collection attempt if they aren’t, but they can try.

That blog comes up 403.

Weird, works fine here. Google something like “credit card chargeback collections” for more like it.

A merchant is entirely within their right to send you to collections and pursue you personally. There is no legal language in any merchant or processor agreement that prohibits it.

Prime example: gym memberships

Gym memberships involve a contract and recurring payments, and the contract is usually not in your favor. A one time charge to an Uber driver is not similar.

You've agreed to a license agreement and terms of service when you use any app. You've read the agreement, right?

The lack of an agreement wouldn’t help you anyway. It would be theft of services, no different than taking a cab and running off after refusing to pay.

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