Chase unauthorised increase payment

mab3000

Martin_the_Unjust said:

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?

If for example a merchant you have given your card details to charges your card twice when you only gave permission for it to be taken once, then it’s the merchants fault for charging the card twice, not the bank. 

However if you approached the merchant about the issue in this scenario and they don’t resolve the problem ie) refund the duplicate payment, then it would be up to the bank to help resolve the issue, such as the chargeback process. 

missile

Olinda99 said:

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.

If you read the post you would know. FYI>Chase only issue debit cards. 
As I said, the correct amount was debited from my account, then it was increased to more than authorised transaction. 
Chase have not explained how this can happen.

Using your logic.

• If I buy an item online using Chase debit card, the merchant could request whatever he wants multiple times and Chase would pay it?
• What is the point of authorising a fixed amount?

missile

mab3000 said:

Martin_the_Unjust said:

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?

If for example a merchant you have given your card details to charges your card twice when you only gave permission for it to be taken once, then it’s the merchants fault for charging the card twice, not the bank. 

That should be the banks responsibility to reject their request.

phillw

missile said:
That should be the banks responsibility to reject their request.

How would they know if there were additional charges or fees that you owed?

For example in the case of hiring a car?

phillw

Marchitiello said:

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).

They don't offer arranged overdrafts, they show pending transactions as actual transactions & won't authorize beyond your available balance. But otherwise they don't operate in a different way to any other bank, the evidence of which is that they allowed the merchant to take whatever they wanted. It just normally doesn't happen as most of the time the merchant takes the right amount. If you start a pay at pump transaction with £99 in your account and actually fill up more than £99, then I would expect you to go into an un-arranged overdraft.

The first step is to contact the merchant, then if you get nowhere then issue a chargeback (which of course the merchant can object to).

I'm interested why Fossil increased the amount & then more than halved it.

missile

phillw said:

missile said:
That should be the banks responsibility to reject their request.

How would they know if there were additional charges or fees that you owed?

For example in the case of hiring a car?

We are not talking about car hire, where one enters into a contract with hire car company.

I believed Chase would restrict debit to the amount I had authorised.
If a merchant requested a greater amount / another debit, I thought merchant would require a further authorisation.
It appears Chase do not have any checks. They simply debit whatever amount as often as merchant requests. 

jon81uk

This seems confusing.
What does the receipt from Fossil state?

missile

The receipt states exact amount which was originally debited from  my account

jon81uk

missile said:

The receipt states exact amount which was originally debited from  my account

and what have Fossil said when you asked them why they debited something different to the receipt?

missile

They said they would investigate. I appreciate Fossil may have made an error, none of us are perfect.

That was not the purpose of my post. I expected more from Chase.