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Virgin refusing to chase up a misplaced charge
davidsworlduk
Posts: 1 Newbie
in Credit cards
At the end of August, I noticed a transaction on my credit card from Macy's in California. Naturally I was confused about this as I'd never been to California so I phoned Virgin up straight away.
I was told that this was unlikely to be fraudulent as it's a one off transaction and the system said the card was presented. They explained that this is likely due to the charge being misplaced.
The guy I spoke to said he would investigate and call me back. After a few weeks I hadn't heard anything so I phoned them back. Apparently a letter had been posted to me to sign, but I hadn't received it so they sent another one out. This arrived while I was on holiday, but when I returned I filled it in and returned it (middle October by now).
Early November I chased it again, but apparently the letter hadn't arrived. Not to worry they would send another one out. This one I filled in and posted back as soon as I could.
This week I received a letter from Virgin telling me that they cannot assist me in this any longer as the transaction was more that 120 days ago! It was only that long ago because of the sending letters back and forth. The only thing I could have done differently was to chase them up within days of sending letters back to them, but I naively thought that it was being handled.
Does anyone know where I stand on this? Virgin suggest I contact Macy's directly, but first I don't want the expense of calling America, and secondly I don't see that I should have to when a failing in their systems has allowed this payment to appear on my account. Advice please!?
I was told that this was unlikely to be fraudulent as it's a one off transaction and the system said the card was presented. They explained that this is likely due to the charge being misplaced.
The guy I spoke to said he would investigate and call me back. After a few weeks I hadn't heard anything so I phoned them back. Apparently a letter had been posted to me to sign, but I hadn't received it so they sent another one out. This arrived while I was on holiday, but when I returned I filled it in and returned it (middle October by now).
Early November I chased it again, but apparently the letter hadn't arrived. Not to worry they would send another one out. This one I filled in and posted back as soon as I could.
This week I received a letter from Virgin telling me that they cannot assist me in this any longer as the transaction was more that 120 days ago! It was only that long ago because of the sending letters back and forth. The only thing I could have done differently was to chase them up within days of sending letters back to them, but I naively thought that it was being handled.
Does anyone know where I stand on this? Virgin suggest I contact Macy's directly, but first I don't want the expense of calling America, and secondly I don't see that I should have to when a failing in their systems has allowed this payment to appear on my account. Advice please!?
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