Capital One Payment Problem !.

Dannydebt

Hi, I am abit confused and need some help !, I always pay my Capital One card online using my Alliance & Leicester debit card on the Capital One site, and every time I get the payment successful message and the payment shows on my Capital One online Statement 2 days later, and at the time of the payment my A&L available balance drops before the payment actually debits my bank account 2 days later.

Now last Tuesday I do the payment as normal on the capital one site, it gets authorised and everything looks fine, although A&L internet banking was not working so I could not check the available balance on my bank account had dropped, but when it was working later on I checked and the available balance had not dropped !, which at the time I found a bit odd, so on Thursday the payment credits my Capital One account as normal, but still no debit from my bank account !, I contact Capital One who say yes the payment was authorised and has now credited my Capital One account, I also registered for Verified by Visa and it too shows the payment being made, but still nothing been debited from my A&L account !.

So in short I have a payment that was authorised from my account (I did have the funds), has been applied to my Capital One account but the bank has no record of it !, as such I do not want to use my Capital One account incase the payment drops off and it puts me over my limit, although Capital One are adamant the payment has been received and applied !. Help !.

akashi

If you check your Capital One online and see in your latest transaction as "PAYMENT RECEIVED -- THANK" I wouldn't worry.

smartpicture

Agreed, but - I wouldn't spend the money on anything else either.

Dannydebt

smartpicture wrote: »

Agreed, but - I wouldn't spend the money on anything else either.

Hi,
It says..............

29 Oct 2008 29 Oct 2008PAYMENT RECEIVED -- THANK £243.87

jamalfatty

Unless Capital One are pyschic then they must have received this payment, no other way of them knowing about it. You'll be safe assuming they have it and can spend against it. The problem will be with A&L, I'd give them a call and ask them to sort it out

Dannydebt

jamalfatty wrote: »

Unless Capital One are pyschic then they must have received this payment, no other way of them knowing about it. You'll be safe assuming they have it and can spend against it. The problem will be with A&L, I'd give them a call and ask them to sort it out

Phoned A&L they say they have no such transaction !, does not exist, never authorised and never happend !, Capital One say it was authorised and did happen and has credited my account, verified by Visa also show......

Receipt ID Purchase Date Merchant Merchant URL Amount Signed By
61376 28/10/08 Capital One Bank https://www.capitalone.co.uk £243.87
I STEWART

So I give in !, I just don't want to spend it and then Capital One take it back !