Chase unauthorised increase payment

missile

grumbler said:

https://www.fca.org.uk/consumers/unauthorised-payments-account

However, I don't know how either you or Fossil can prove what amount you actually authorised. Any confirmation email? But again, I'm pretty sure the burden of proof is on Fossil, not on you.

Not sure why I need to prove anything. I authorised a payment and Chase confirmed the amount. Thereafter they changed the amount. Chase have confirmed.

grumbler

missile said:

grumbler said:

https://www.fca.org.uk/consumers/unauthorised-payments-account

However, I don't know how either you or Fossil can prove what amount you actually authorised. Any confirmation email? But again, I'm pretty sure the burden of proof is on Fossil, not on you.

Not sure why I need to prove anything. I authorised a payment and Chase confirmed the amount. Thereafter they changed the amount. Chase have confirmed.

How did they do this?  And how did they change? Replaced the original transaction with a bigger one? I've never seen anything like this except for pending transactions in foreign currency that can change slightly.

born_again

missile said:

Hi,

On Friday, I authorised a payment to Fossil for £195.00. I received notification from Chase and invoice from Fossil for same amount.

On Saturday I got a message from Chase telling me payment had been increased to £279.20. When I contact Chase they blamed the merchant. I have raised a complaint that they have made payment without authorisation.

On Sunday I get a response to my complaint advising me to contact merchant. I repeated that my complaint is with Chase not the merchant. They tell me when I authorise a payment, the merchant can vary this and debit a greater amount if they choose. This does not seem right to me 

I have noted, the debit has now been reduced to £114.00.

Has anyone else seen Chase increase the payment without authorisation?

Chase are right. Retailer takes the funds. Not chase sending it to them. Chase have nothing to with any amount authorised or debiting you account.

So you need to ask retailer (check your invoice from Fossil) as to what exactly the amount should be. 

@eskbanker is right a auth amount does not have to match the amount taken. Another example Amazon always used to auth £1 on order (check card was live) & debit the full item price once dispatched.

Marchitiello

I think we are confusing online authorisation which happen at time of entering card details online and/or use with contactless/chip&pin in person, with transaction posting.

Chase works in a different way as it should not allow overdraft and thus what is authorised online should also be what it allowed to be posted.

posting actually happens once a day at best, or even less frequently, when the merchant initiate the process at the end of their business day/period. So it was Fossil that managed to post a different amount, thus not clearly Chase fault. What Chase should have done though is to take your complaint and Chase evidence from Fossil and not asking you to speak to the merchant, albeit some time it helps (I had the same occurring to me once with Lloyds but I contacted the merchant first, sent evidence and asked them to reverse the extra payment, which they duly did. Lloyds had also suggested I did that first before they initiated a chargeback).

ZeroSum

A few years back, I had a similar issue. Bought something for a price, got email confirmation agreeing price. Amount taken was £10 more. Rang up credit card provider & they refunded me the difference with no quibble.

Funnily enough, I then left a bad review, the merchant phoned me back & then refunded me again after I contacted them previously & wouldn't budge. Even though I'd already told them I've done a section 75 claim

grumbler

ZeroSum said:

Even though I'd already told them I've done a section 75 claim

You don't need s75 in such cases. It's simple chargeback.

missile

Thanks for all your comments.

My transaction was not a card pre-authorisation, e.g. at hotel or petrol station. This was a one off transaction which was authorised and debited from my account at the time for the correct amount.

It appears that Fossil then initiated a request to increase the payment. 

My complaint is: Chase allowed this to happen. If I had not noticed this "error" ............

dil1976

missile said:

Thanks for all your comments.

My transaction was not a card pre-authorisation, e.g. at hotel or petrol station. This was a one off transaction which was authorised and debited from my account at the time for the correct amount.

It appears that Fossil then initiated a request to increase the payment. 

My complaint is: Chase allowed this to happen. If I had not noticed this "error" ............

If the merchant has requested an amount from your bank that you didn't authorise how is that the banks fault? Did the merchant make 2 requests and cancel one?

Martin_the_Unjust

dil1976 said:

missile said:

Thanks for all your comments.

My transaction was not a card pre-authorisation, e.g. at hotel or petrol station. This was a one off transaction which was authorised and debited from my account at the time for the correct amount.

It appears that Fossil then initiated a request to increase the payment. 

My complaint is: Chase allowed this to happen. If I had not noticed this "error" ............

If the merchant has requested an amount from your bank that you didn't authorise how is that the banks fault? Did the merchant make 2 requests and cancel one?

Are you really suggesting that if anyone takes money out of your bank without your permission it’s not the banks fault?

Olinda99

I have read this and still not clear (unless I have missed it) how you 'paid'

Can you confirm it was by debit card? I assume 'notification by Chase' was the push message on your phone saying debit card transaction for £195?

Can I also assume that the merchant then increased the debit card transaction?

If so, Chase are not at fault as that is exactly what a debit card (the clue is in the name) is for - for merchants to debit your account. When you use a debit card you are agreeing that the bank (Chase) pays all amounts debited using this card.

You complaint is with the merchant.