I did a one time authorization to "X" Satellite Provider with my debit card, on spouse's account, my name not on contract with provider. Spouse got behind on bill, and "X" went back to my debit card for the amount. Spouse is not on my checking account, never has been. We are in Texas, and "X" company refused to reverse charges. My bank states this will be fraudulent activity, but my concern is that I did authorize a one-time transaction.. I have filed police report, and fraud report from bank. How long does it usually take to free up my account, and what right did "X" have to debit my account of which I am sole owner? Spouse has only survivorship on bank account.
Also, "X" states that since we are married, I am responsible for his account, therefore assuming that my sole-owned checking account belongs to spouse.
2007-10-10 05:57:03 · 5 answers · asked by Tammi B 3 in Politics & Government ➔ Law & Ethics
Neither spouse nor I had authorized the charges for the amounts of $53.00, $2.00, and $154.00, and was completely amazed when my debit card would not work at stores due to this.
2007-10-10 06:09:21 · update #1
I did not sign anything for the one-time authorization, it was done on-line. Thank you for reminding me of that!
2007-10-10 06:30:39 · update #2
First, you need to read what you signed when you made that first payment. Many contracts have to provision that they can bill the account to the card if it becomes delinquent.
2007-10-10 06:14:13 · answer #1 · answered by davidmi711 7 · 0⤊ 1⤋
1
2016-05-20 23:43:16 · answer #2 · answered by ? 3 · 0⤊ 0⤋
Same thing happened to me with Video Professor (beware). I ordered something, returned what I did not want, they had my debit card number for the shipping fee.
They said I did not return the CD, charged my card 70.00. Next month, 2 more charges for the same 70.00... This went on for a couple months. Aparently they had put me on some service I did not authorize.
I called my bank, they returned most of the charges, I got gigged for 70.00 of all of it, but they gave me back the rest, and the overdraft charges that occurred because of the withdrawls, they cancelled the card and issued me a new one with a new number.
The bank can refund your money, even if you did have a single authorized charge. You did not authorize company X to continue to take money from your card.
You may not recover it all, but you can recover some, which will give you some relief.
Good luck with this. if the bank acknowledges it is fraud, they will do the work for you.
2007-10-10 06:07:36 · answer #3 · answered by Kathryn P 6 · 0⤊ 2⤋
They didn't have any right to charge your account. You authorized a ONE time debit, not a monthly charge and they will eventually either credit your account or someone ends up in jail. Its a fairly straight forward case against them.
2007-10-10 06:02:28 · answer #4 · answered by Anonymous · 2⤊ 0⤋
You need to have the bank hot list your debit card. This way they can not transfers it over to the new debit card. Go to you bank on Monday and do this. This will prevent more charges from showing up.
2007-10-12 15:15:35 · answer #5 · answered by Anonymous · 0⤊ 1⤋