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Last week I noticed a charge on my CC from a store I had last visited 3.5 weeks earlier. I called the store and the manager told me they are really slow about processing the card transactions sometimes but that it was OK. Is there a law about the period of time they can hold your 'swiped' transaction before submitting it?
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yes they can do that, you bought the stuff.
Sing us a song, you're the piano man | ||
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They can do it if you made the purchase. | ||
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Yes. The company was given an authorization code at the time of the transaction and that code is good for up to 6 mos or a year...I think it depends upon the card. eta: Companies that delay billing really screw up checking accounts if they hold up a transaction on a debit card. Unfortunately, you don't know what company will delay until you do business with them. CC's don't matter as much, since it's credit and not cash, but same rules apply to both credit and debit cards. I'm a new blogger...http://kattaleswagging.blogspot.com/ Edited Aug-30 by NewEnglandKatherine | ||
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Of course they can do that. You bought the items, right?  | ||
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Yep - our agreement with Visa/MC is auth codes are for 6 months - after that, too bad for us, but we process ours nightly!   | ||
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How long are they allowed to hold it? More info on this that I didn't mention the first time. Honestly -I don't recall having spent $80+ last time I was there but it IS possibly I just can't remember what I bought. The thing that makes me nervous is that this is the store where a cashier 'slid a few things through' - for no apparent reason and told me he was going to do it. I couldn't hear what he said and didn't realize what he was doing at first until later when I checked my recent. It was 4 items totalling about $8-$10. I probably should have reported him for it but I was a little nervous that the cashier would remember me and pull my CC slip with my name on it. (We are the only family by this last name in our local phone book!) The part that worries me is that if he ripped off his own company by giving my freebies, maybe he slid a few extra charges on the card in some type of scam. | ||
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In that case I'd probably call and ask for an itemized receipt if available. | ||
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You can always go back to the store or if it's a big corp, a customer service representative at HQ and request more info. The credit card company may or may not have more info. Some companies may make you request a copy of a receipt in writing and depending on the company, it can take 30 days. If you encounter any problems along the way, file a dispute with your credit card company. Worse case scenario is the charge is justified and you have to pay for it with a little interest.
I'm a new blogger...http://kattaleswagging.blogspot.com/ | ||
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Btw, filing a dispute is not the same filing a charge of fraud. A dispute is used when you do business with a company and you have a question/problem with the charge. Some people thing the terms are synonymous, but they really aren't. |
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When you checked your RECENT last time and saw he slid some things through, you should have just returned them. You could have just said I don't think I paid for these. Check your most recent, RECENT and see if you did indeed spend 80 dollars. PLus you are in the positive 8-10 dollars with them anyway. | ||
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It's a small chain store on the PA/MD region kind of like Big Lots only a lot less organized. I think I'm going to call their main office and talk with someone there. | ||
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When you checked your RECENT last time and saw he slid some things through, you should have just returned them. You could have just said I don't think I paid for these. Unfortunately the downside to that is (1) the employee would have gotten into trouble, which I don't care about but I was concerned that he'd be pisssed AND possible had ACCESS TO MY NAME AND CC INFO and (2) they could have accused me of stealing it. (He sais, she said, between myself and the cashier - NOT worth it!!!) Check your most recent, RECENT and see if you did indeed spend 80 dollars. PLus you are in the positive 8-10 dollars with them anyway. I cannot find my receipt for that visit. I have looked everywhere. I do typically keep my receipts because of the potential for weird stuff to happen (overcharges, etc.) | ||
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How would he have access to your name and credit card number? Did he write it down,before he handed you back the card? Why would they accuse you of stealing?
This scenario you are describing seems hinky at best. | ||
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What do you mean "he slid things through?" He randomly scanned items that you didn't want and you took them home anyway? He scanned items and you paid for them and he kept them? I'm totally lost but I might have read something wrong...  | ||
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I read it as he put things in her bag without charging her for them. | ||
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I ordered some games last Christmas from leapster.com and they didn't debit my account for several months! The same thing happened to me one other year when I had ordered a bunch of photo books online from Kodak. Both times, it happened when we were doing a lot of Christmas shopping and didn't notice at the time that the charges never appeared. But believe me, we noticed when we were suddenly charged for them months later! Anyway...I'm not sure I understand about the guy slipping in some freebies. I would have refused them and walked away with nothing if I had to. Whatever stuff you were buying couldn't have been worth being involved in something fraudulent! | ||
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I read it as he put things in her bag without charging her for them. Oh, ok. That makes more sense, I thought she meant they overcharged her. It doesn't make sense why he would have done that though. I'm confused! | ||
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When you checked your RECENT last time and saw he slid some things through, you should have just returned them. You could have just said I don't think I paid for these. Check your most recent, RECENT and see if you did indeed spend 80 dollars. PLus you are in the positive 8-10 dollars with them anyway. Are you meaning to type RECEIPT????
Sing us a song, you're the piano man | ||
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Read her original post. |
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No, I'm asking YOU why you typed "RECENT", do you mean to type "receipt"??? Your post makes no sense.
Sing us a song, you're the piano man | ||
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Why did you take things you didn't pay for? AFAIK that is generally called stealing. Anyway, you said you don't have the reciept for that visit any more, right? Why would stolen stuff show up on it anyway? It wasn't paid for. So confused. Like PP said, maybe they keep copies of their reciepts and can verify what they charged you for. That way you'll know if it's a fraudulent charge. | ||
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I don't get it. Some random cashier put things in your bag that you didn't pay for, told you he was going to do it in advance but you didn't notice it until you left the store and looked at your receipt? And now you want to know how to find out what exactly was on your receipt because you think you were actually overcharged? I still don't get it. Lisa | ||
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No, I'm asking YOU why you typed "RECENT", do you mean to type "receipt"??? Your post makes no sense. lol, I was wondering, too. | ||
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I believe PP is calling attention to the OP's misuse of the word "recent" instead of "receipt" by misusing it as well. Still don't understand the initial situation.
"Although we weren't able to shatter that highest, hardest glass ceiling this time, thanks to you, it has about 18 million cracks in it and the light is shining through like never before." -- Hillary Clinton | ||
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I was being a smartass. I see it tanked. Just take out recent and replace receipt and it will all make sense to you.
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Ok, I still don't get it. I don't see the word receipt OR recent on the op!!!!!
Sing us a song, you're the piano man | ||
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OP, I really do not understand. Can you explain the transaction again? Then maybe we can be of more help. Sarah Mom to Shannon and Ethan | ||
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I was confused too, but she uses the word recent in her second post which gives more details. Sonja  | ||
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Oh, see the second post. Sorry. I still think the whole thing is hinky. She goes to the store the first time and the cashier mumbles something to her and then gives her 8-10 dollars of free items. She is afraid to mention it to the store, because the cashier might retaliate. She thinks that the same cashier may have charged extra items this past time, but she is not sure, but it could have happened, because she cannot remember what she spent. I think that sums it up...
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