Yes you are legally, morally and ethically required to pay for goods and services which you requested and received. The fact that the seller may have been momentarily confused or misunderstood the state of the order does not excuse you from payment. The fact that you offered payment, tried to clear up the misunderstanding or that they could, in your eyes easily bill you, does not give you any excuse to take the goods without payment.
Something similar happened to me with a Williams Sonoma order. In my case it happened because the item was backordered, so the payment authorization expired before they processed my payment, (even though I had received the item). They sent me an email letting me know that they had not been paid and I was able to call them and pay for my order over the phone. It was simple and fast, only took a few minutes to resolve.
The Fair Credit Billing Act (FCBA) has a detailed and strong dispute process for dealing with any billing related issues on credit card purchases, but has a short period for filing of only 60 days from date of the billing error.
I would recommend that you consider filing a dispute under the FCBA, which then imposes strict requirements on the creditor.
I'm assuming that you're just trolling, as I asked about my legal position, and specifically requested we avoid the ethical questions involved.
If you actually do have some detailed legal expertise to contribute to the conversation I'd appreciate it.
What bothers me is you don't want to be bothered with the ethical question.
The GOLDEN RULE is always GOLDEN.
You can never go wrong when you do the RIGHT thing...
This is an open forum and while you can state you don't want to be troubled with the ethical/moral question, we are also just as free to address it anyway.
The fact you mentioned the moral dilemma tells me you already know the best course of action...
Have a grand day..
Well...Since you asked...
Yes, you are legally required to pay for that purchase. You ordered the product, the retailer shipped you the product and you received the product in good condition. If you don't pay for the product because of a misunderstanding in the initial method of payment it doesn't matter. You still need to pay for it or it can be and will be considered fraud/theft.
At the $1000 to $3000 product price point they will not let this rest. They won't forget about it. There are many attorneys that would be willing to fight for this money.
If you stole $1000 of product from a retail store by walking out of the store without paying, the dollar amount is large enough that you would be charged with a felony in most jurisdictions.