card declined but been charged?

Question

i went to buy some cigarettes this morning but my card was declined. i got a mini statement 2nite but money had come out. i rang the bank and they said its not their fault go back to the shop. i spoke to the shop and they said if its been declined theres no way the money came out. what do i do?

yeah i put in a pin number. it was declined twice

can i say its fraudulent? ive tried to talk to the shop in question but they are denying it completely.

Answer 1

Hi there go back to the shop and ask the manager/supervisor to print a till receipt from the time you went in if you don't no the time they will have to do the full days receipts.They should have a copy of your card being declined as they would have themselves of had to cancel the transaction for the goods and all card recipes and pay point receipts, all get checked on a night for the tills adding up.

Answer 2

double check your mini statement. As your card was declined the bank will not be aloud to take any money from your account if they have the shop assistant could of authorised it without you knowing and keep the cigarettes for them selves you never now so if i was you i would be on the case and sorting this mater out

Answer 3

Did you put in a pin number?
If you did, you only have the shop's word that it was declined. Personally, I would talk to the shop manager and show him the mini statement.

without a pin or signature the bank cannot (ok, should not) authorise the charge.

Answer 4

hi

i had a similar thing a couple of years ago in a jewely shop
i purchased a necklace costing £30 pounds the girl tried swipeing the card 3 times and it wouldnt work so i took the card back and paid with my credit card instead which went through ok
lo and behold when i checked my account it had debited my account 3 times i contacted the bank and had to wait a week but they sorted it out.
the shop only use the machine its the card issuers responsability
if their system screws up and i can confirm it does happen
keep badgering the card issuer

Answer 5

Check your account tomorrow.

Sometimes these transactions show up on the day but diasppear the following day due to the available funds system.

If it still appears tomorrow then go into your bank and tell them you dispute the transaction. They will take a full report of what happened and open an investigation with the retailer.

It usually takes up to 28 days to resolve.

Answer 6

I know cigarettes have become expensive, but surely you don't need to put them on credit (card) these days.......do you?

Re the problem: Your card company is jointly responsible for the transaction, it is THEIR problem to sort AS WELL. Go see the shop keeper (as above) and if no joy put this into card suppliers hands as a fraudulent transaction!

Answer 7

Look again at your mini statement.

The only people you can contact are the ones listed as having charged you. If their name isn't on your statement, the bank can give it to you, usually along with an 800 number.

Answer 8

Send a certified letter to the bank giving all the specifics and asking for your account to be credited. Get it out right away.

You should get a refund a few days later.

Answer 9

This exact thing happened to me before. They promised that there was no way it would have debited my account and declined but it had. Wait for your full statement to arrive (or print one if you have online access), then take this to the store as proof. Its worth going to the store to tell them your plans or they may forget about you. The manager of the store in my case promised me double refund and that he'd eat his hat - I never held him to this!

Answer 10

The Electronic Funds Transfer Acts obligates the bank to investigate and resolve the error within 10 business days. They bank has to credit your account provisionally for the amount of the reported error plus they get up to 45 days from receipt of a notice of error to complete the investigation. In the end the max liability for the consumer is $50.

Here's the part of the Act I refer to:

(b) Notice of error from consumer--(1) Timing; contents. A financial institution shall comply with the requirements of this section with respect to any oral or written notice of error from the consumer that:
(i) Is received by the institution no later than 60 days after the institution sends the periodic statement or provides the passbook documentation, required by § 205.9, on which the alleged error is first reflected;
(ii) Enables the institution to identify the consumer's name and account number; and
(iii) Indicates why the consumer believes an error exists and includes to the extent possible the type, date, and amount of the error, except for requests described in paragraph (a)(1)(vii) of this section.
(2) Written confirmation. A financial institution may require the consumer to give written confirmation of an error within 10 business days of an oral notice. An institution that requires written confirmation shall inform the consumer of the requirement and provide the address where confirmation must be sent when the consumer gives the oral notification.
(3) Request for documentation or clarifications. When a notice of error is based on documentation or clarification that the consumer requested under paragraph (a)(1)(vii) of this section, the consumer's notice of error is timely if received by the financial institution no later than 60 days after the institution sends the information requested.
(c) Time limits and extent of investigation--(1) Ten-day period. A financial institution shall investigate promptly and, except as otherwise provided in this paragraph (c), shall determine whether an error occurred within 10 business days of receiving a notice of error. This institution shall report the results to the consumer within three business days after completing its investigation. The institution shall correct the error within one business day after determining that an error occurred.
(2) Forty-five day period. If the financial institution is unable to complete its investigation within 10 business days, the institution may take up to 45 days from receipt of a notice of error to investigate and determine whether an error occurred, provided the institution does the following:
(i) Provisionally credits the consumer's account in the amount of the alleged error (including interest where applicable) within 10 business days of receiving the error notice. If the financial institution has a reasonable basis for believing that an unauthorized electronic fund transfer has occurred and the institution has satisfied the requirements of § 205.6(a), the institution may withhold a maximum of $50 from the amount credited. An institution need not provisionally credit the consumer's account if: