Unauthorized credit card payment - can I sue them?

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lrogers
 
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Unauthorized credit card payment - can I sue them?

Postby lrogers » Tue Apr 17, 2012 8:08 am

Hi, I had a Discover monthly charge for eighty five dollars. I wasn't ready to make the payment and I never authorized them to take it out of my bank account. They did it anyway and now I have a bounced check fee. Can I take them to court for doing this?


Celestine
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Postby Celestine » Tue Apr 17, 2012 7:02 pm

lrogers wrote:Hi, I had a Discover monthly charge for eighty five dollars. I wasn't ready to make the payment and I never authorized them to take it out of my bank account. They did it anyway and now I have a bounced check fee. Can I take them to court for doing this?


The information you provided is very little to make clear of the situation you are in.
"Nearly all men can handle adversity, but if you really want to test a man's character - give him power." - Abraham Lincoln

dznutz
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Postby dznutz » Wed Apr 18, 2012 1:20 pm

how can they take it from your bank acccount without you giving that information to do monthly automatic payment?

given your situation i'd say it's best you stick to cash. i myself keep better track of money when i gauge my cash in the wallet

jeffysdad
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Postby jeffysdad » Wed Apr 18, 2012 2:19 pm

Sounds like you established and authorized autopay and then didn't realize you had it turned on. I love autopay, but you need to remember what debits are hitting your account and when.

I have four cards set up to debit full statement balance automatically. Always on the first of the month (that's key, same date). Sometimes if you make a payment yourself, the bank will still debit for the statement balance (Citi and FIA do/did this). With Chase, if you pay some amount prior to the debit, that amount is deducted from the statement balance before they make the autopay deduction. I once experienced a double payment situation with Citi because I didn't know this.
American Express: Blue Cash Preferred (groceries, 6%; gas, department store, 3%); Gold Delta SkyMiles (Delta Air Lines, 2 miles/dollar, free checked bag).
US Bank: Cash+ (utilities, phone, internet, restaurant, 5%; drugstores, 2%).
FIA Card Services: Fidelity Amex (everything, 2%); Fidelity Visa (everything, 1.5%).
Chase: Freedom (rotating, 5%); Amazon (Amazon.com, 3%); PriorityClub (IHG hotels, 5 points/dollar); Sapphire (not in use).

*All cards are registered with PriorityClub IDine program for 8 points/dollar at participating restaurants.

JCarter
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Postby JCarter » Wed Apr 18, 2012 3:34 pm

lrogers wrote:Hi, I had a Discover monthly charge for eighty five dollars. I wasn't ready to make the payment and I never authorized them to take it out of my bank account. They did it anyway and now I have a bounced check fee. Can I take them to court for doing this?


Explain how Discover got your information, and then we can better assist you.



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