Unauthorised Credit Card use

Kexster

Dear Sirs


In feb of this year I booked a nice little 2 night stay away for me and my partner in Cornhill-On-Tweed, I arranged this through Expedia for the 2nd and 3rd March at a Cost of £189, which I paid on my Credit card. I contacted the Hotel on 28th Feb and found that they were snowed in and they advised us not to travel, contact Expedia And arrange a different date to stay. I duly informed Expedia and was informed after they had contacted the hotel that no charges would be made, or os I thought until I checked my Credit card and they had again charged me £189. I complained and was given it back, but how can they use my card wityhout my authorisation?

[Deleted User]

Via administrative error.

Kexster

Can somebody get back to me on this please?

[Deleted User]

See post 2.

Kexster

What does that mean?

[Deleted User]

It means they processed the payment in error.

Kexster

So they are within their right to use the card without my authorisation? But I always thought that once a card was used it was encrypted, with only the last 4 numbers of the long number being visable - Please educate me in this, as I am totally unsure. If the card is encrypted as I believe it should be, then how can they use my Security Number?

[Deleted User]

They had your details, processed the payment, refunded it and accidentally processed it again.

They've now refunded it to you again, so all is well.

Kexster

So I could not complain to a higher authority about them using my Card to take payment without authorisation?
PS - Really appreciate the help here

[Deleted User]

You can send them a complaint if you want, but I'm not sure what you're seeking to gain.

Kexster

So I could not complain to a higher authority about them using my Card again without Permission?


Am I wrong about encryption of the card once used?