i used a debit card to buy something online, and the next day, i got a cancellation e-mail, saying that they couldn't contact my "credit card" number. first of all, did they cancel it because i used a debit card, rather than a credit card? second of all, the money hasn't been restored on my debit card. is there anything i can do besides calling the bank to tell them about the problem?
2007-07-13 05:36:16 · 7 answers · asked by Anonymous in Business & Finance ➔ Credit
i was supposed to wait 24-48 hours after cancelling, and the money was supposed to be refunded by then, but it's been over 72 hours now.
2007-07-13 05:47:29 · update #1
First, check with your bank to see if the money was debited or it's just pending. If it was debited, call the seller immediately and tell them you need to clarify whether the purchase went through or you need to provide other information. If you still want the goods, you should be fine. Call the store and check. Otherwise tell them you need a refund.
I try not to use debit cards online because they are directly linked to your checking account and I find it easier to cancel charges or demand refunds for credit on credit cards, where they will investigate the transaction.
2007-07-13 05:43:42 · answer #1 · answered by PK 5 · 1⤊ 0⤋
I just ran into a similar problem, where a debit card transaction was initially declined and two minutes later, accepted.
The initial amount was "frozen" in the account and it took a trip to the bank to unfreeze it. I was told that it would normally unfreeze in 48 hours.
Of course, if overdrafts then occurred, you would have to discuss the matter with the bank to get them reversed.
As to the CC vs. debit card matter, I'm not aware of any on line issues between the two. It sounds like typical "problems."
For some strange reason, when I order from Newegg, my VISA won't work but American Express will. Go figure.
2007-07-13 05:43:34 · answer #2 · answered by Anonymous · 1⤊ 0⤋
If a merchent accpets a credit card, then they will accpet a debit card as well. The only exception I know of being some car rentals.
So it has nothing to do with the fact that its a credit card. Contact your bank and find out what happend. I am sure they can give you a the reason over the phone.
2007-07-13 05:42:12 · answer #3 · answered by Anonymous · 1⤊ 0⤋
in the beginning, it is your funds, no longer the financial employer's. they look after it for you. they could declare that they are no longer in charge for who you enable to get right of entry to your account, yet subsequently you probably did no longer set up an prompt Debit for this employer. You made a one-off charge. it particularly is the comparable as utilising a change card on the food market. Going of what you're saying it form of feels that the employer has made an errors by debiting your account extra desirable than as quickly as, once you hadn't given them an specific coaching to realize this. An specific coaching must be written. a type or Direct Debit coaching is specific, being compelled right into a verbal settlement over the telephone isn't. maximum organizations declare to have recordings of all telephone conversations so as that they shoud have info, yet I wager it particularly is long for the reason that been erased. people to touch that may additionally assist you address this mess are: the electorate suggestion Bureau; a paying for and merchandising standards officer at your interior sight council; and it particularly is properly worth thinking writting a letter to the financial area of a high quality newspaper. i might additionally write letters to the two the financial employer and the employer declaring the errors they have made. shop copies of all letters you deliver. Forgive me for asserting this yet be well mannered in those letters. State the info, state the place the financial employer and the employer have failed you. i've got got here upon that companies respond to letters extra desirable than a telephone call. With a telephone call you finally end up chatting with somebody devoid of authority or flair for dealing together with your situation.
2016-12-10 11:01:19 · answer #4 · answered by ? 4 · 0⤊ 0⤋
If they took $$ from your account , notify them ASAP that they took the $$ then refused to send the merchandise . ( In writing AND by phone )
If they still refuse to send the merchandise , notify your bank that the merchant defaulted on sending the merchandise and you want them to reverse the debit .
2007-07-13 05:42:36 · answer #5 · answered by kate 7 · 1⤊ 0⤋
I don't think you can use a debit card online.
I think you need a prepaid credit card.
2007-07-13 05:44:24 · answer #6 · answered by Anonymous · 0⤊ 1⤋
Just call your bank and dispute the charge, They will refund your money.....
Then find another store...
2007-07-13 05:41:22 · answer #7 · answered by Anonymous · 1⤊ 0⤋