Unauthorised Credit Card use 12 March 2018 at 2:40PM edited 30 November -1 at 1:00AM in Credit Cards 13 replies 1.1K views

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?

zx81

Via administrative error.

Kexster

Can somebody get back to me on this please?

zx81

See post 2.

Kexster

What does that mean?

zx81

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?

zx81

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

zx81

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?