Help! Unusual question

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Carols
 
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Help! Unusual question

Postby Carols » Fri Aug 02, 2013 8:16 pm

Does a credit card company have the authority to issues a credit on my credit card account if someone (let's name this person Bob) brings an item to the store for a refund without a receipt; Bob tells the sales clerk my name (Carol), the sales clerk accesses my store credit card account information, sees that I did in fact make a purchase of the exact item, discloses my purchase price to Bob, and then proceed to issue a credit to my credit card account without my knowledge or consent?

It seems there is an unauthorized use of my credit card and a breech of my privacy rights.

Your thoughts?


MemberSince99
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Postby MemberSince99 » Mon Aug 05, 2013 6:27 am

I'm not sure what "privacy" got violated there. "Bob" obviously knew you had a card with the store, and bought that item.

But I will agree it seems strange that they would allow someone else to return an item on your card IF "Bob" isn't an authorized user or card member. If "Bob" is, I don't see an issue. If not, and I'm assuming you did NOT want "Bob" to return this item and "Bob" did it just to spite you, then I'd contact the store about it and let them know that "Bob" is not allowed to do anything in connection with your account in the future.

That may not prevent him from returning things other ways so if he has access to your stuff that's another problem altogether. But in terms of the card that's how I see it.

Midori
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Postby Midori » Mon Aug 05, 2013 8:37 am

So it was just a return and a credit to your account? It's not like he brought back some random thing you'd bought and ran away with the cash or a store giftcard for the amount of the cash?

I can certainly see that second scenario happening--- my brother Bob buys me lime geen pants and gives me a regular receipt in case I want to exchange it for something else. I leave the receipt on the kitchen counter on the day I bring the pants back. The conversation could go in many different ways, but ultimately, the pants go back to the store, and the value of the pants stays with me.

If the value of your product went back to your card, I'd be upset with Bob, but I'd be happy it was just an inconvenience.

That's under the assumption that you're an independent adult and Bob has no social, legal, moral authority over you. Now, if there were other circumstances, like if you was 18 and Bob was your Dad and you went out shopping for something that was off-limits, I wouldn't be surprised that it went back to the store, even if the card was yours. Or if you were 80, and were a dependent adult, and were in the habit of buying miscellaneous junk that you can't afford that needs to go quietly back to the store so that you can afford your medical expenses... yeah. I've seen both of those scenarios.

xbillyjean42x
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Postby xbillyjean42x » Mon Aug 05, 2013 9:47 am

I'll use a walmart for example and even Kohls does this or one of the big named stores nowadays. If you return something to walmart and it's bought with cash/debit, they will return it cash to you automatically. Assuming you have a receipt and the item to return. If you return something to walmart, and it's bought on credit card, the person has receipt and item, then it will automatically go to credit card (they dont need to swipe card, the receipt in question will be looked up and the computer does it automatically). If person has item, no receipt, they get store credit only. If you buy something, get a gift receipt (assuming u give it to them, or have some laying around) then all they can do is go return the item with gift receipt and only get store credit. It sounds like the person had your receipt and the item..thinking they'd get the cash for it..but turns out the computer knew it was an item bought on credit, and it was returned to the credit card with his dismay. That's how I'm reading this....if you are talking about something that happened behind your back. I don't trust anyone LOL. Even when you make a return with a receipt and the item and it's bought on credit when the computer brings it back up..the cashier doesn't tell info to the person, it automatically goes back on credit card bc the computer knows. even if the store is kinda old school..and it doesnt automatically go back on..the cashier would ask for the credit card with id or credit card only and can do a return..it would still go back to card. So does this person have access to your card somehow? If not, then i'd think this person had the item and receipt and just tried to get money back in cash or return it mayb not liking ur gift if u gave it him.

As for violation, I don't think there is a violation unless you are saying that this person went and opened up credit under your name..that's clearly id theft. they'd need ur id..ss#, etc. and that's clearly a whole other dog onto itself.
I would think that the person in question, would need a receipt in order for all of that to happen. And you are saying that the person didn't have a receipt? If they were close to you, claimed you were his wife etc etc, laid on some charm..i can see a store clerk (who wasn't suppose to be doing that in the first place)..looking up info like that and going along with it. As long as she didn't give info in return(which u may never even know if she did or not), then she probably didn't think it was an issue because the return she knew was going to go back on the card. he wasn't making out with any money. But even if that was the sitch..then..that sounds like a store policy issue that would need to be addressed toward employees from management. It could be breech of info on your part if the store clerk gave anything out..but like i said u may never know that. it then sounds like it would be your word against hers and hard to prove i'd think.
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Postby benhollberg » Mon Aug 05, 2013 12:26 pm

So tell me if I got this straight, someone was trying to return something to the store and just put the money back on your credit card? If that's the case then something similar happened to me but the other way around. For Christmas one year my mother bought me something at Target also giving me the receipt just in case I wanted to return it. I didn't want the movies she got me, I went to return them and asked if they could just put the money she spent as refund to her credit card, as I didn't want the money or a Target gift card. The clerk said no, they need the credit card. I had to return the items as a gift card then send the gift card back to my mother.

So if that's the type of thing you're saying then not all stores will do this. I knew my mother paid with her credit card, I am sure the clerk could have returned it easily without the card being there but they didn't do it for some reason.
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xbillyjean42x
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Postby xbillyjean42x » Mon Aug 05, 2013 10:03 pm

Some stores do returns automatically, some don't. I'm just saying from my experience, here in Fresno, Ca at least lol, some do. Walmart for sure I know does it here. You don't need the original card, id or whatever. It's computerized and they can bring up the transaction by scanning the barcode that's on the receipt or inputing the numbers and put money back on the original card (if the person has a receipt). In regards to the OP, the OP says it was done without a receipt though. That one I'm still iffy on that one as to how the cashier did it..without some type of info to go on from "Bob". And like I said, the cashier's violation of her rights still seem he said she said..and you may not ever know IMO.
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