Virgin double charging transactions

UHAHA

I do not change anything. I paid in £300 using their mobile app. Simply put in your card/bank details, enter the amount and that's it.

UHAHA

On Wednesday night when I did it the transaction was pending but £300 was taken from my current account available balance. Today the transaction is still pending but there is another one already processed and completed. And the available balance is lighter for another £300.

UHAHA

Simply put: started off with £2k available balance on my current account. After paying £300 to Virgin Money I have £1400.

[Deleted User]

So your qualm lies with your current account then not the virgin card.

Terry_Towelling

Can I just check my understanding of this, please?

You made a credit card transaction of £750. This appeared as pending but when the transaction actually cleared, it didn't match with the pending transaction. So, your credit card has 1 transaction for £750 debited to it (which is correct) and your available credit on the card is also a further £750 down due to the pending transaction not being matched (which shouldn't happen). Is that part correct?

You also paid £300 to your Virgin credit card and you used the Virgin credit card app to do so. Now your current account shows a pending transaction for £300 and also a cleared debit for £300. Is that correct?

What this suggests to me is that Virgin is processing its Authorisation Messages with a different data set to its Clearing Messages. This means the clearing messages won't match with the authorisation messages and so the pending transactions will affect your balance for potentially as many as 14 days before they drop off.

UHAHA

Terry_Towelling wrote: »

Can I just check my understanding of this, please?

You made a credit card transaction of £750. This appeared as pending but when the transaction actually cleared, it didn't match with the pending transaction. So, your credit card has 1 transaction for £750 debited to it (which is correct) and your available credit on the card is also a further £750 down due to the pending transaction not being matched (which shouldn't happen). Is that part correct?

You also paid £300 to your Virgin credit card and you used the Virgin credit card app to do so. Now your current account shows a pending transaction for £300 and also a cleared debit for £300. Is that correct?

What this suggests to me is that Virgin is processing its Authorisation Messages with a different data set to its Clearing Messages. This means the clearing messages won't match with the authorisation messages and so the pending transactions will affect your balance for potentially as many as 14 days before they drop off.

:T

that's exactly what happened.

UHAHA

!!! wrote: »

So your qualm lies with your current account then not the virgin card.

with both actually but I'm willing to give up on credit card complain as it's their property and probably in the small print they secured all rights to do what they please

Terry_Towelling

If I were a sensitive soul, I might see the happy clappy emoticon as sarcasm.

If your currency purchase was from Virgin Money with a Virgin credit card and you went through the Virgin App to make your payment, then my view is that there is an issue with Virgin's Auth and Clearing messages and you need to complain to them in line with what I have suggested in the last paragraph of my previous post. I can't guarantee I've got the right answer for you but that's the line I'd take.

It would seem odd for you to be the only one affected by whatever has happened. Anyone else out there used a Virgin credit card recently and got the same problem?

Migster

I agree with what Terry has posted, though it seems very odd that both transactions were similarly affected. In the first example, Virgin is the issuer and in the second it is the merchant. I would have thought that these would be two distinct systems, which presumably would make it less likely that both were incorrectly configured.

Also, as has been mentioned, if this was a system issue, then surely all customers would be impacted and it would have been all over the media.

UHAHA

Terry_Towelling wrote: »

If I were a sensitive soul, I might see the happy clappy emoticon as sarcasm.

It was genuine happiness mate! :beer: