View Single Post
rob
Senior Member
Lone Wolf Staff
 
Join Date: May 2005
Posts: 8,003

Old June 7th, 2010, 10:45 AM
Here's an explanation of what happened with your card.....

Cards are processed in two stages, which normally amount to obtaining an authorization and then capturing (or transferring) the funds. Our server first obtained an authorization for the charge. An error was returned with that authorization, although the authorization was approved by the bank. Due to the error, our server immediately voided the authorization.

If you had used a *CREDIT* card, you would have never seen the charge appear, as it was properly voided. However, you used a *DEBIT* card. Debit cards look and behave like a credit card for most purposes, but not all of them. There is lots of wiggle room for banks when debit cards are used.

Many banks will put a "hold" on funds when an authorization is obtained against a debit card. If the authorization is then voided out, the bank is *not* obligated to release that hold for some period of time (in some cases, it can be days). The money was never actually taken from your account, but the bank shows it that way. The bank is *supposed* to release the funds if the authorization is voided, but they will often sit on that money for awhile. They make it look like the merchant is at fault, but that's not the case at all.

All you need to do is contact your bank and complain about the charge still showing on your account. Many account reps will either be clueless about this behavior or play dumb, but if you press them they will release the funds the way they are supposed to. The charge will also simply disappear after some number of days.

I'm guessing the charge you mention about has disappear from your account by now. If not, let me know and I will provide you with official transaction detail that you can send to your bank that clearly *proves* the authorization was immediately voided properly. They won't be able to argue against that evidence. :-)

Sorry for the hassle and confusion with this. However, this is an issue that can be squarely blamed on your bank. :-(
rob is offline   #4 Reply With Quote