Accidentally refunded twice due to fraudulent activity

ToxicWomble

Just spend it, it will be fine.

A bloke on the internet said it would be ok.

Maybe it’s classed as unsolicited “goods”

born_again

Call the bank. Tell them that Amazon have refunded. Bank will reverse their refund.

Or the bank may simply notice the refund from amazon when raising the fraud file and redebit you at that point.
If not Amazon will contest the fraud chargeback later on.
But could well close your account due to your not stopping it earlier.

DCFC79

lucyowo wrote: »

Hello! I faced an issue with my Amazon account, where it was hacked - and then just shy of £200 was spent on something that I didn't order. I received an email confirming the order, which immediately caused me to call Amazon, explain the situation, and then be told that the order was cancelled and that the moment the transaction processed, it would instantly be refunded back into my bank. They also advised me to call my bank, and I did, then explaining the situation there also. Today I received my new debit card, and I checked my account to see that the bank had refunded me the amount I had lost - but the Amazon payment still hadn't processed. Now later today, I checked again to realise that the payment had been processed, and like Amazon had said originally, I had been refunded a second time. Now I have double what I lost! What do I do? Of course it's tempting to hold onto the money, but surely this isn't right as it doesn't belong to me?

Didn't need a thread, just contact them.

lucyowo

Colin_Maybe wrote: »

I did although it's obvious you didn't.

Amazon refunded and after this the bank (presumably) reversed the payment.

Not that I actually believe the OP's story anyway as I think it's one of the many 1 post trolls that inhabit this place at the moment.

Just want to confirm I'm not a troll. I'm 17 I've had my credit card for less than a year - I've never thought I'd be in a situation where I'd have money taken from me unauthorised and then be refunded twice by two different places. I called Amazon first, where they told me to contact the bank. I was just following instructions given to me.

lucyowo

rach_k wrote: »

I'd leave it a month to make sure it isn't corrected, then contact Amazon. I'd worry about contacting them straight away as they may manually correct it, only to have it be taken back automatically, leaving you to start again!

Out of everything I've read, this seems to me like the best way to go, so thank you!

lucyowo

arcon5 wrote: »

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You obviously know the answer, just looking for somebody to justify you keeping it

Oh, I'm well aware it's not mine to keep - as attempting as it may be. But as I'm still fairly new to owning my own personal bank (I'm 17 - had a debit card less than a year) I didn't know whether it was best for me to wait for them to notice the error, or for me to contact them straight away.

unholyangel

lucyowo wrote: »

Oh, I'm well aware it's not mine to keep - as attempting as it may be. But as I'm still fairly new to owning my own personal bank (I'm 17 - had a debit card less than a year) I didn't know whether it was best for me to wait for them to notice the error, or for me to contact them straight away.

Always best to contact them, especially if its an amount you would easily notice (or struggle to repay if they do ever notice). But well done on taking the steps to at least find out information rather than just assuming. Bodes well for your development into adulthood - better than some adults, for sure!


Also, it can amount to an offence depending on circumstances;
http://www.legislation.gov.uk/ukpga/1968/60/section/24A