My Shopping - But Its Not My Card Thats Been Charged?

JustKeepSwimming_2

Probably just being a bit thick here...

I did my accounts today & noticed some shopping I bought last month still hasn't cleared my account even though it's been 6 weeks. So I had another look at the receipt - and the last 4 digits of the card aren't mine.

Bit baffled since it's definitely my shopping, & the time & date are correct since I went to 3 different stores (both other card receipts show correct last 4 digits) & I distinctly remember going as it was day off after a hospital visit.

My shopping was eclectic (reading glasses, string, a certain DVD, balloons & teacakes) so the chances of someone else buying the same stuff around the same time on the same day are minimal. I always have my own shopping bag, so can't have picked up someone else's receipt. The card machine is one you put your own card into, then enter the PIN & remove your card yourself, so I can't see what I could have done wrong there.

All I can think of is that I didn't put my card in properly & the transaction went through on the previous person's card - but that can't be right as the receipt says PIN verified. I can't imagine I wouldn't have tried to input my own PIN, so surely the card reader would then have picked up if my card wasn't in it correctly?

Does anyone have any ideas?

I've thought of going back to the shop, but I'm sure they'll just think I'm bonkers :rotfl:

pinkdalek

You not own a different bank card that you could have used in error?

JustKeepSwimming_2

pinkdalek wrote: »

You not own a different bank card that you could have used in error?

No - only have 1 Mastercard (which is what type of card was used on the receipt) & 1 Visa card - neither have the last 4 digits shown on the receipt.

Haven't got anyone else in my household with either type of card, & haven't picked up a random card from a shop as I have a small wallet. Its weird.

Dobbibill

Have any of your cards been renewed recently? If this was a few weeks ago it may have been on an old card that has now been replaced with a different number (assuming the other receipts were paid with the same card which is different to this card & receipt ie-mastercard for other 2 receipts/visa for this 1 and vice versa)
If you discover where the difference is please pop back to let us know, always handy to have hints and tips to check ourselves if we find we are in that situation
Hope you do find the answer

Motormad

I think the OP should return to the shop as there is likely to be a customer complaining that they have been charged for shopping they never received.

SuperHan

Motormad wrote: »

I think the OP should return to the shop as there is likely to be a customer complaining that they have been charged for shopping they never received.

I'd put money on that if they did, the staff would have no idea what to do, and short of charging the OP again, wouldn't do anything.

They certainly wouldn't be able to track the card that had been charged.

They can take the payment for some time yet, so it may be an issue with their systems that will catch up and debit the money eventually!

JustKeepSwimming_2

Dobbibill wrote: »

Have any of your cards been renewed recently? If this was a few weeks ago it may have been on an old card that has now been replaced with a different number (assuming the other receipts were paid with the same card which is different to this card & receipt ie-mastercard for other 2 receipts/visa for this 1 and vice versa)
If you discover where the difference is please pop back to let us know, always handy to have hints and tips to check ourselves if we find we are in that situation
Hope you do find the answer

No new cards for almost a year - hadn't thought about that as being an explanation so thanks for suggesting it, but that isn't the case here.

The other receipt I can find was 10 minutes before the weird transaction & its definitely my usual Mastercard. The other shop I went into afterwards was a cash purchase.

Its a shop I've used before, part of a national chain, & oddly I remember a transaction not going through my account over a year ago. I use a home accounting programme to track my spending so I enter my spends every few days & then reconcile them when I receive a statement from my bank/credit card. Up until a few months ago there was a transaction from this shop that just never went through my account. Stupidly I chucked the receipt along with all the ones that had cleared my account, & assumed I'd made a mistake in entering it - reasoned I must have paid with cash at the time & not put it on my card at all

Motormad wrote: »

I think the OP should return to the shop as there is likely to be a customer complaining that they have been charged for shopping they never received.

SuperHan wrote: »

I'd put money on that if they did, the staff would have no idea what to do, and short of charging the OP again, wouldn't do anything.

They certainly wouldn't be able to track the card that had been charged.

They can take the payment for some time yet, so it may be an issue with their systems that will catch up and debit the money eventually!

But as it isn't my card number on the receipt it is never going to go through my account.

I do feel bad for whoever has paid for my shopping (£7) but I'm not sure what to do about it. If I go to the store then I'm worried they'll charge me but not be able to refund the original card holder. The shop have been paid for the products, so they're not out of pocket & I don't want them to be paid for the same products twice without doing anything, which is what I fear may happen.

I'd like to know how this could have happened in the first place, & whether it can be refunded to the correct card holder before I visit the shop.

Any ideas anyone?

ETA - just realised this should be on the credit card forum, not here, apologies all. Have started a new thread over there...