Credit card marked as fraudulent incorrectly and now I have to pay double for product

MrsP1000

Hi,

I placed an order online on Christmas Eve for work related purchase.

Unknown to me the card was flagged with suspected fraudulent activity and the transaction was cancelled after I received the 'approved' page online.

The seller has sent me an invoice stating that it has been paid but now are saying that the order has been cancelled.

Because of the above the products we need to order are now doubled in price.

Can I claim compensation from the credit card company?

Any advice greatly appreciated.

chanz4

claim compo from yourself

pvt

Who canceled the transaction - the supplier or the credit card company?

If it's the credit card company you can call them and ask them why they did this without contacting you first, however I wouldn't hold out much hope of compo. Contracts don't normally allow for consequential loss, and it would be a good will gesture if they did compensate you in any way.

If the supplier is claiming the suspected fraud, and the price has since doubled, I would be suspicious that they realised they had undersold the items to you and are using "suspected fraud" as a way of wriggling out of the transaction.

meer53

Did your CC issuer call or contact you to verify the purchase was genuine ? If they didn't then you might have a case. If they did but you didn't respond then you can't really blame them.

Gromitt

MrsP1000 wrote: »

The seller has sent me an invoice stating that it has been paid but now are saying that the order has been cancelled.

Sounds to me like your payment was authorised, but the supplier didn't want to sell you the goods for the advertised price and has since made corrections to the price.

Fruit_and_Nut_Case

pvt wrote: »

If the supplier is claiming the suspected fraud, and the price has since doubled, I would be suspicious that they realised they had undersold the items to you and are using "suspected fraud" as a way of wriggling out of the transaction.

Gromitt wrote: »

Sounds to me like your payment was authorised, but the supplier didn't want to sell you the goods for the advertised price and has since made corrections to the price.

Call me a cynic but that was my first thought.

meer53

The retailer wouldn't flag the transaction as possible fraud, that would be the card issuers fraud detection system. The retailer will have cancelled the order because the original payment was declined.

chanz4

meer53 wrote: »

The retailer wouldn't flag the transaction as possible fraud, that would be the card issuers fraud detection system. The retailer will have cancelled the order because the original payment was declined.

the cards mechant can, worldpay does for sure

dalesrider

You would to really kick up a stink to get anywhere. As it is in the T/C that. Your card provider has to run security checks.

I hope that the card provider is aware that you are not using hte card for personal purposes......

Because it it is for anything work related there is no S75 or chargeback cover.

chattychappy

dalesrider wrote: »

I hope that the card provider is aware that you are not using hte card for personal purposes......

Because it it is for anything work related there is no S75

"anything work related?" S75 doesn't distinguish on that basis.

Presumably you mean if a company buys something and you put it on a personal credit card then you wouldn't be covered (cardholder isn't the customer), which I agree with.

If it was a reclaimable expense, then you would be covered. Eg in the case of a train ticket to a conference, the cardholder is the passenger and is the one who is in contract with the railway company. It is work related, but you're covered.

If you are self-employed, I don't see a problem whatever the transaction - because the business isn't a separate legal identity.

dalesrider

S75 only covers personal use not business related purchases.