Credit Card double-charged for Taxi in Spain.

Roy1234

The Taxi was from a few km outside of Madrid to the airport.  

PHK

Is there not any information on the card receipt or the name of the firm on the photos you took ?

born_again

Roy1234 said:

born_again said:

Roy1234 said:

born_again said:

If the transactions have separate authorisation codes they are not duplicated.
How much are you talking about here?

The transactions are completely identical as listed on my online statement.  The amount is about 22 euro/£20 after foreign transaction fee.

But you will not be able to see the auth code. That is something only your CC will be able to check.
Given them a call & see what they say. Ask nicely & they may refund one. 👍

I contacted the Bank as suggested.  The two transactions, with identical time stamp, have different auth codes.  So the Taxi charged me twice, separately, which was my suspicion.  I have been unable to locate the Taxi firm via google, and the Bank's customer service man said they could not.  He also tried google, as I had, without success.

I queried him as to whether no database exists to uniquely identify merchants who debit credit cards, he said 'unfortunately there isn't one'.  Really?

I'm going to have to try identifying the Taxi firm via the company I visited, my last resort, as he said they may not pursue the dispute after 15 days if I haven't done so.  Meanwhile, do we believe firms debiting the MasterCard system really cannot be identified?

Could you imagine the size... Also different countries around the world have different regulations. 
Happens a lot unrecognised retailer & there is no way to trace. 

born_again

km1500 said:

surely the simplest way here is to contact your bank and ask for a chargeback to your card for the unauthorized second transaction

There is no such "Unauthorised" Chargeback.

Guessing 1st is contactless & 2nd will be chip & pin.

Neither of these types of transaction have any chargeback anyway.

Can't claim fraud as Op was their either & did use company. 

Sadly for £20 ish rep could have easily just written it off & refunded cm.

Roy1234

born_again said:

Roy1234 said:

born_again said:

Roy1234 said:

born_again said:

If the transactions have separate authorisation codes they are not duplicated.
How much are you talking about here?

The transactions are completely identical as listed on my online statement.  The amount is about 22 euro/£20 after foreign transaction fee.

But you will not be able to see the auth code. That is something only your CC will be able to check.
Given them a call & see what they say. Ask nicely & they may refund one. 👍

I contacted the Bank as suggested.  The two transactions, with identical time stamp, have different auth codes.  So the Taxi charged me twice, separately, which was my suspicion.  I have been unable to locate the Taxi firm via google, and the Bank's customer service man said they could not.  He also tried google, as I had, without success.

I queried him as to whether no database exists to uniquely identify merchants who debit credit cards, he said 'unfortunately there isn't one'.  Really?

I'm going to have to try identifying the Taxi firm via the company I visited, my last resort, as he said they may not pursue the dispute after 15 days if I haven't done so.  Meanwhile, do we believe firms debiting the MasterCard system really cannot be identified?

Could you imagine the size... Also different countries around the world have different regulations. 
Happens a lot unrecognised retailer & there is no way to trace. 

Funny thing is, we know thanks to Edward Snowden that the emails, texts, posts and phone calls of everyone in the Western Word are recorded from cradle to grave.  But the credit card companies can't keep a database of merchant number against company's name, address, & contact details? 

Hmm... let me think about that concept for a moment...

Roy1234

born_again said:

km1500 said:

surely the simplest way here is to contact your bank and ask for a chargeback to your card for the unauthorized second transaction

There is no such "Unauthorised" Chargeback.

Guessing 1st is contactless & 2nd will be chip & pin.

Neither of these types of transaction have any chargeback anyway.

Can't claim fraud as Op was their either & did use company. 

Sadly for £20 ish rep could have easily just written it off & refunded cm.

Yes I was a little surprised how hard they are making it to reclaim what their first operator said, moments after debits, was clearly a duplicate charge.  But I shall preserver.

born_again

Roy1234 said:

born_again said:

Roy1234 said:

born_again said:

Roy1234 said:

born_again said:

If the transactions have separate authorisation codes they are not duplicated.
How much are you talking about here?

The transactions are completely identical as listed on my online statement.  The amount is about 22 euro/£20 after foreign transaction fee.

But you will not be able to see the auth code. That is something only your CC will be able to check.
Given them a call & see what they say. Ask nicely & they may refund one. 👍

I contacted the Bank as suggested.  The two transactions, with identical time stamp, have different auth codes.  So the Taxi charged me twice, separately, which was my suspicion.  I have been unable to locate the Taxi firm via google, and the Bank's customer service man said they could not.  He also tried google, as I had, without success.

I queried him as to whether no database exists to uniquely identify merchants who debit credit cards, he said 'unfortunately there isn't one'.  Really?

I'm going to have to try identifying the Taxi firm via the company I visited, my last resort, as he said they may not pursue the dispute after 15 days if I haven't done so.  Meanwhile, do we believe firms debiting the MasterCard system really cannot be identified?

Could you imagine the size... Also different countries around the world have different regulations. 
Happens a lot unrecognised retailer & there is no way to trace. 

Funny thing is, we know thanks to Edward Snowden that the emails, texts, posts and phone calls of everyone in the Western Word are recorded from cradle to grave.  But the credit card companies can't keep a database of merchant number against company's name, address, & contact details? 

Hmm... let me think about that concept for a moment...

That is for their merchant bank to keep. Not every card provider. 

Would be a good idea, but dread to think just who would administer it. Due to the number of changes each day due to new companies & ones going bust.
Even the likes of Visa/Mastercard & Amex could not do it, due to the sheer number of merchant banks around the world. All having to provide data on a daily basis to ensure it was upto date.
No individual UK bank could do it.

Visa has a database Visa Account Updater to allow retailer to collect new card details for regular payment. Which (the consumer group) has over 30 separate entries. That is massive.

Roy1234

born_again said:

Roy1234 said:

born_again said:

Roy1234 said:

born_again said:

Roy1234 said:

born_again said:

If the transactions have separate authorisation codes they are not duplicated.
How much are you talking about here?

The transactions are completely identical as listed on my online statement.  The amount is about 22 euro/£20 after foreign transaction fee.

But you will not be able to see the auth code. That is something only your CC will be able to check.
Given them a call & see what they say. Ask nicely & they may refund one. 👍

I contacted the Bank as suggested.  The two transactions, with identical time stamp, have different auth codes.  So the Taxi charged me twice, separately, which was my suspicion.  I have been unable to locate the Taxi firm via google, and the Bank's customer service man said they could not.  He also tried google, as I had, without success.

I queried him as to whether no database exists to uniquely identify merchants who debit credit cards, he said 'unfortunately there isn't one'.  Really?

I'm going to have to try identifying the Taxi firm via the company I visited, my last resort, as he said they may not pursue the dispute after 15 days if I haven't done so.  Meanwhile, do we believe firms debiting the MasterCard system really cannot be identified?

Could you imagine the size... Also different countries around the world have different regulations. 
Happens a lot unrecognised retailer & there is no way to trace. 

Funny thing is, we know thanks to Edward Snowden that the emails, texts, posts and phone calls of everyone in the Western Word are recorded from cradle to grave.  But the credit card companies can't keep a database of merchant number against company's name, address, & contact details? 

Hmm... let me think about that concept for a moment...

That is for their merchant bank to keep. Not every card provider. 

Would be a good idea, but dread to think just who would administer it. Due to the number of changes each day due to new companies & ones going bust.
Even the likes of Visa/Mastercard & Amex could not do it, due to the sheer number of merchant banks around the world. All having to provide data on a daily basis to ensure it was upto date.
No individual UK bank could do it.

Visa has a database Visa Account Updater to allow retailer to collect new card details for regular payment. Which (the consumer group) has over 30 separate entries. That is massive.

But every Company applying to MasterCard etc must jump through certain hoops to be accepted.  I've known shops freshly opened who complained they weren't yet accepted; it takes time to be trusted.  So every Company must apply with all those details at least once.  Forget about 'updating on a daily basis' for a moment, there will always be the initial application details on a database.  In very many cases, nothing will change, the Company continues trading under the same name & address.  So at the very least, they could supply those details to me.

I think we both know that if one of those companies was doing something seriously dodgy through the card network, e.g. money laundering, the authorities would be onto them in a flash.  The concept of an anonymous merchant in a first world country like Spain just isn't credible.

user1977

Roy1234 said:

The Taxi was from a few km outside of Madrid to the airport.  

Googling "Madrid taxi licensing" gets you this, which seems a reasonable place to start:

https://www.comunidad.madrid/en/servicios/consumo/taxi

powerful_Rogue

Roy1234 said:

born_again said:

Roy1234 said:

born_again said:

Roy1234 said:

born_again said:

Roy1234 said:

born_again said:

If the transactions have separate authorisation codes they are not duplicated.
How much are you talking about here?

The transactions are completely identical as listed on my online statement.  The amount is about 22 euro/£20 after foreign transaction fee.

But you will not be able to see the auth code. That is something only your CC will be able to check.
Given them a call & see what they say. Ask nicely & they may refund one. 👍

I contacted the Bank as suggested.  The two transactions, with identical time stamp, have different auth codes.  So the Taxi charged me twice, separately, which was my suspicion.  I have been unable to locate the Taxi firm via google, and the Bank's customer service man said they could not.  He also tried google, as I had, without success.

I queried him as to whether no database exists to uniquely identify merchants who debit credit cards, he said 'unfortunately there isn't one'.  Really?

I'm going to have to try identifying the Taxi firm via the company I visited, my last resort, as he said they may not pursue the dispute after 15 days if I haven't done so.  Meanwhile, do we believe firms debiting the MasterCard system really cannot be identified?

Could you imagine the size... Also different countries around the world have different regulations. 
Happens a lot unrecognised retailer & there is no way to trace. 

Funny thing is, we know thanks to Edward Snowden that the emails, texts, posts and phone calls of everyone in the Western Word are recorded from cradle to grave.  But the credit card companies can't keep a database of merchant number against company's name, address, & contact details? 

Hmm... let me think about that concept for a moment...

That is for their merchant bank to keep. Not every card provider. 

Would be a good idea, but dread to think just who would administer it. Due to the number of changes each day due to new companies & ones going bust.
Even the likes of Visa/Mastercard & Amex could not do it, due to the sheer number of merchant banks around the world. All having to provide data on a daily basis to ensure it was upto date.
No individual UK bank could do it.

Visa has a database Visa Account Updater to allow retailer to collect new card details for regular payment. Which (the consumer group) has over 30 separate entries. That is massive.

But every Company applying to MasterCard etc must jump through certain hoops to be accepted.  I've known shops freshly opened who complained they weren't yet accepted; it takes time to be trusted.  So every Company must apply with all those details at least once.  Forget about 'updating on a daily basis' for a moment, there will always be the initial application details on a database.  In very many cases, nothing will change, the Company continues trading under the same name & address.  So at the very least, they could supply those details to me.

I think we both know that if one of those companies was doing something seriously dodgy through the card network, e.g. money laundering, the authorities would be onto them in a flash.  The concept of an anonymous merchant in a first world country like Spain just isn't credible.

I could go to Sum-Up of many other similar companies and get a machine that takes card payments. How would that work on the register?