Bank error in my favour? What's going on?

chambta

Not all credit cards charge for ATM withdrawals when in credit. Post Office certainly doesn't - I inadvertently paid too much into mine and withdrew the extra via 3/4 cash withdrawals.

iAMaLONDONER

chambta wrote: »

Not all credit cards charge for ATM withdrawals when in credit. Post Office certainly doesn't - I inadvertently paid too much into mine and withdrew the extra via 3/4 cash withdrawals.

And halifax clarity

iAMaLONDONER

carsonsmummy wrote: »

Whenever I have an issue, this is the first website I come to so I'm hoping that I can get my sister some advice.

She had a payment of £700.00 made to her credit card, but had no idea where that payment has come from. She called Capital One who confirmed the payment was received but there is no transaction ID.

Not particularly assured by this, she then emailed Capital One for more information as to where it has come from so she can query the other party - be it bank, person etc. She provided the date, exact time according to her online transactions list, and the amount hat was credited.

Her response was simply this:

"Thank you for your message

I can confirm that the payment of £700 was credited to your account on the 16 May 2013.

Assuring you of our best services at all times.

If you have any other queries, please send us a further secure message."

What is her position with this? How is she supposed to query the other party that has paid into her account?
Can it still be reversed even though she has queried it twice - verbally and written?

My sister is very close to her wedding date so this extra credit will come in handy. I must stress that it is impossible that this was gifted to her by someone she knows - no-one has her account details, apart from herself and her fiance (who is just as dumbfounded as she is by this!)

Your advice/help is much appreciated.

Please keep us updated!

anotheruser

I wonder what would happen if you did spend the £700 somewhere, then closed the credit card account?
Surely it can't be reversed then?

JuicyJesus

anotheruser wrote: »

I wonder what would happen if you did spend the £700 somewhere, then closed the credit card account?
Surely it can't be reversed then?

They would reopen the account to post the debit, same as they would if you spent some money on the card but the shop didn't debit until after the card was closed.