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According to the Fair Credit Billing Act, consumers can withhold payment for damaged items or poor-quality items. In some states, there are cooling off periods, which allow consumers to change their minds about a purchase within a certain time frame. However, there are some stipulations that go along with backing out of a purchase with not particular reason.

To dispute or reverse a charge once a merchant refuses to cooperate, consumers can contact their credit card company to stop payment. In most cases, disputes must be made in writing and within 60 days. Dispute letters should include the credit card account number, bill on which the charge appears, description of item purchased, reason for wanting a refund and any paper or correspondence traded between the consumer and merchant regarding the transaction. This includes all receipts and complaint letters. Consumers should send dispute letters to their card company's billing inquiry department or complaint department.