Co op Visa debit card charged twice

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Eric_Bridge
Eric_Bridge Posts: 1 Newbie
in Credit cards
Just doing some accounts and noticed about 6 months ago that i have numerous occasions where my visa debit was charged twice. All in about £500 overcharged!

The bank CO OP say that i can only dispute these charges within 120 Days which seems unfair. They suggest getting the refunds repaid directly from the retailers. It seems to me that this is a failing by Visa rather than the retailers as it was on about 5 separate occasions.

Any advice gratefully received.

Comments

  • agrinnall
    agrinnall Posts: 23,344 Forumite
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    Rules is rules, as they say! I think you'll have to do as advised and approach the retailers for a refund. If it was down to a system issue with the Co-op (it's unlikely to have anything to do with Visa as they aren't really involved in the processing of debit card transactions within the UK) I would have expected it to have received publicity and the duplicates automatically reversed.
  • jonesMUFCforever
    jonesMUFCforever Posts: 28,898 Forumite
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    What kind of transactions were they?

    For example if they were gambling transactions then your gambling account would also have been credited twice?
  • Shakin_Steve
    Shakin_Steve Posts: 2,701 Forumite
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    I don't understand this method of accounting at all. I wake up in the morning, grab a cup of coffee and, within five minutes, I know exactly what transactions occurred yesterday in all three current accounts and my two credit cards. Apps with a five digit login make it very easy to do this.
    I came into this world with nothing and I've got most of it left.
  • TadleyBaggie
    TadleyBaggie Posts: 6,055 Forumite
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    Shakin_Steve wrote: »
    Apps with a five digit login make it very easy to do this.
    Apps (and phones) that support fingerprint authentication are even easier.
  • Shakin_Steve
    Shakin_Steve Posts: 2,701 Forumite
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    TadleyBaggie wrote: »
    Apps (and phones) that support fingerprint authentication are even easier.
    I can get my passcode entered in about three seconds. I'm not going to upgrade my kit just to save one of them. Besides, I'm an old fogey and I don't like this new-fangled fingerprint stuff. As for facial recognition, I don't want to upset my iPad first thing in the morning :D
    I came into this world with nothing and I've got most of it left.
  • Biggles
    Biggles Posts: 8,209 Forumite
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    The only time limit I can see in their T&Cs is 13 months, not 120 days.

    In any event, if there were several, all with different retailers, it can only be down to errors in the Co-op's or Visa's own processing system. You don't even know that the retailers got the funds twice, just that the Co-op deducted it twice.

    You should escalate this to a complaint; and put it in writing.
  • PeacefulWaters
    PeacefulWaters Posts: 8,495 Forumite
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    They're quoting you chargeback rules.

    This is not a chargeback. Miss about unauthorised transactions.

    Complain and escalate if needed.

    And flog yourself senseless for your lax checking of your accounts.
  • Ben8282
    Ben8282 Posts: 4,821 Forumite
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    edited 17 March 2017 at 5:45AM
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    Duplicate transactions are uncommon these days.
    The suggestion that there have been several on 'numerous occasions' from different retailers is very strange indeed, as is the OP's failure to notice them for several months.
  • fifeken
    fifeken Posts: 2,701 Forumite
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    Eric_Bridge wrote: »
    It seems to me that this is a failing by Visa rather than the retailers . . .

    Maybe a slight bit of a failing by you too in not noticing it for 6 months?
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