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...)