My debit card was charged and I did not authorize.

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gmontg21
 
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My debit card was charged and I did not authorize.

Postby gmontg21 » Sat Aug 24, 2013 12:06 pm

I ordered a crib 2 months ago. The day I ordered it the bank showed that it was processing .. I had more than enough money in my account to pay for the crib. I figured everything was fine. 2 months passed they sent me a tracking number for the crib. I got the crib and that day they charged my card for 900 dollars.

I do not have any money in my account to cover that. I contacted them thinking they charged me twice. They told me they charged me once.. the day it was delivered. I told them that I never authorized them to hold onto my information or to charge my card anytime that they please. There is nowhere in their policy that they say if it takes more than a month for a item to ship to you they charge the day it is received. They never told me this in any emails.

I told them I am over drafted 900 dollars and I cannot pay for the crib so I need to return it.. they told me they cannot take it back. I am now 900 dollars short and I never told them they could do that. It is not ok for someone to keep my info then charge me without notice or any prior email.

What can I do?


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Postby Chief » Sat Aug 24, 2013 7:30 pm

Usually, when you purchase something online, a hold is placed on your card. Most companies have a disclaimer that says they will not charge your card until the item is shipped. It is your responsibility to be aware of whether or not the company took the funds.

Were you unaware that you had an extra $900?

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Postby thom02099 » Sun Aug 25, 2013 10:05 am

gmontg21 wrote:I ordered a crib 2 months ago. The day I ordered it the bank showed that it was processing .. I had more than enough money in my account to pay for the crib. I figured everything was fine. 2 months passed they sent me a tracking number for the crib. I got the crib and that day they charged my card for 900 dollars.

I do not have any money in my account to cover that. I contacted them thinking they charged me twice. They told me they charged me once.. the day it was delivered. I told them that I never authorized them to hold onto my information or to charge my card anytime that they please. There is nowhere in their policy that they say if it takes more than a month for a item to ship to you they charge the day it is received. They never told me this in any emails.

I told them I am over drafted 900 dollars and I cannot pay for the crib so I need to return it.. they told me they cannot take it back. I am now 900 dollars short and I never told them they could do that. It is not ok for someone to keep my info then charge me without notice or any prior email.

What can I do?


Not following what you're saying here. Who did you purchase the crib from? Are you saying that it took 2 months for the charge of $900 to go through, or that the price of the crib went through multiple times to the tune of $900? Or are you saying that it took 2 months for your bank to complete the transaction? Not really clear.

In any event,you need to dispute it immediately with your bank if you feel the charge was not authorised.
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djrez4
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Postby djrez4 » Sun Aug 25, 2013 10:55 am

No, the charge was authorized. The store just ran it two months later than OP expected and OP spent the money in the meantime. Not the store's fault.

You screwed up, OP. You may be able to call the bank and ask nicely that they waive any overdraft fees, but you ordered a product and the product was delivered. You have to pay for it. End of story.
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Postby flan » Sun Aug 25, 2013 11:06 am

gmontg21 wrote:I ordered a crib 2 months ago. The day I ordered it the bank showed that it was processing .. I had more than enough money in my account to pay for the crib. I figured everything was fine. 2 months passed they sent me a tracking number for the crib. I got the crib and that day they charged my card for 900 dollars.

I do not have any money in my account to cover that. I contacted them thinking they charged me twice. They told me they charged me once.. the day it was delivered. I told them that I never authorized them to hold onto my information or to charge my card anytime that they please. There is nowhere in their policy that they say if it takes more than a month for a item to ship to you they charge the day it is received. They never told me this in any emails.

I told them I am over drafted 900 dollars and I cannot pay for the crib so I need to return it.. they told me they cannot take it back. I am now 900 dollars short and I never told them they could do that. It is not ok for someone to keep my info then charge me without notice or any prior email.

What can I do?


Had you paid with a credit card, it would be illegal for the merchant to charge the card before they shipped (really meaning when they were ready to ship). Debit cards are not afforded that protection, but Visa and MC both generally require it contractually. So the merchant has done the right thing, there. Where they might have a problem is under an FTC mail order rule, which also applies to phone and internet orders, that requires that the merchant ship within 30 days of getting a complete order (which includes payment by check, or authorization to charge a card). There are exceptions to that. One is they can contact you and tell you when the revised shipping date is, and offer a chance to cancel (and a full refund, including parts that would be non-refundable if you cancelled otherwise.), and other is if they say in advance that the lead time is longer. If either of those conditions is met, you're out of luck, and you need to improve your accounting practices, so you'd know they hadn't actually charged you, and not spent the money twice. (Getting an authorization for a future charge is not a real charge...)

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Postby SClay » Sun Aug 25, 2013 1:14 pm

djrez4 wrote:No, the charge was authorized. The store just ran it two months later than OP expected and OP spent the money in the meantime. Not the store's fault.

You screwed up, OP. You may be able to call the bank and ask nicely that they waive any overdraft fees, but you ordered a product and the product was delivered. You have to pay for it. End of story.


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Postby nismoZtuner » Sun Aug 25, 2013 3:56 pm

happen to me once with a restaurant they charged my amex card a month later- i checked my account activity and noticed that i had a balance of 46.98 kind of strange since i stopped using it a little after paying my full balance and it never showed that i had a pending transaction- went back on my statements and noticed that the restaurant never charged me. all good >.<

**For your post i think the place did the right thing(a month late but hey youre still paying for what you bought)- you just didnt manage well- not trying to be harsh on you but yeah
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Postby thecentury303 » Mon Aug 26, 2013 12:50 am

djrez4 wrote:You screwed up, OP. You may be able to call the bank and ask nicely that they waive any overdraft fees, but you ordered a product and the product was delivered. You have to pay for it. End of story.


Agreed. If your bank is a credit union then you have a pretty good chance to convince them. But if it is a big bank (Chase, BOA, etc), you might have to prepare for the worst.
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