muttmeg wrote:I was trying to make a purchase on-line, hoping my paycheck had hit and cleared into my bank. The purchase was declined. I shrugged it off, planning on coming back in a few days to make the purchase which was a fairly large amount, to be made in 3 monthly payments originally.
4 days later, I discover my bank account is wiped out because the vendor ran the debit card again (even though it was PayPal) without my consent. It wiped me out because they debited the whole amount for the product, not the payment plan amount. I've had many overdrafts from all my auto debits, charges from my creditors, at risk of losing my life insurance/auto insurance, furnishings I have in a storage, and several other critical things.
It has taken me 12 days to finally get a response. I have a phone appt today. I need to know if charging my debit card the second time without my permission was legal. I want to have some leverage to insist on having them pay, at least for all of these late and overdraft charges they caused.
I hope I hear back soon from somebody.
Celestine wrote:First off, I am not a lawyer so this is just an opinion... When a purchase is declined, that means you have yet to purchase that product(s). The merchant is not authorized to charge the card, any card, that you use that was declined; unless of course this is one of those utility bills but for shopping online as far as I know they can't charge you if the payment did not went through.
Like JCarter told you, the merchant did seem to commit fraud by charging the debit card you used the second time without your authorization.
During the shopping checkout page, were there any "cancel"/"clear cart" button on the shopping cart or did you cancel the transaction when the debit card payment was denied? Even if an online shopper left something in the cart, merchants are not allowed to charge the customer without authorization.
bmw1990Z wrote:i agree with jeffys dad...stopped using them after someone at an airport starbucks scanned the code off mine and sold it to someone in europe...bank couldn't get back 100% of stolen funds.
JCarter wrote:It wouldn't matter if s/he cleared the cart or not. The merchant no longer has express authorization to re-run the transaction much less authorization to run a transaction for a different amount than what is agreed upon to begin with.
jeffysdad wrote:With a debit card once they have your money (which is immediately), they have your money; maybe you'll get it back and maybe you won't. With a credit card you have time to dispute the charge and get to hold on to your money until the dispute is resolved. There is no way that debit cards can offer the same security that credit cards do.
Celestine wrote:You are right. That is why.... "Even if an online shopper left something in the cart, merchants are not allowed to charge the customer without authorization. "