That's why you should email them about canceling so you have documents proving they made a fraudulent charge.

Damn, goodbye home after bathroom renovations

Nah there's legitimate reasons to do that. Banks don't charge the fees that credit card companies do.

Also, you can have your bank refuse payment, anyway.

Had something like this happen to me. Luckily, we have laws in place stating that collections companies cannot follow up disputed claims. So I emailed the collections company, with the people that sent the claim to them on CC, telling them I disputed the claim (with some attachments to back up why). They responded by basically saying "sorry, our bad, the people that sent this claim can pound sand." Then I never heard anything more about it.

What sucks though, is that it's really stressful to have something go to collections. Most people would probably just have paid, because they get stressed out and don't know the law.

Full disclaimer: This law may very well not exist where you live.