I stopped by a harbor side boat rental place to grab an ice cream and a water. Total was $3.25 and the girl said she couldn't ring me up until the young man working with her got off the phone. It looked to me like he had left the register mid-transaction to socialize on the phone and she needed him to finish it before I could get rung up, but perhaps he was talking to a customer.
She passes him my debit card and tells him "ring her up for three twenty five" (which could have been clearer, I suppose), he does something at the register and the next thing I know shes scrambling at the register and I get a sinking feeling - yep, he had rung up my debit card for $325 dollars. Which can be a bit of a nightmare at the end of the month on a checking account...
She handed me two receipts, one showing the original $325 SALE AMOUNT, and then one that says $325 REFUND, and to her credit, did not charge me for the water and ice cream. The young guy just kinda looked at me blankly, as if he didn't see the big deal.
I contacted my bank online this morning (my bank's name rhymes with Chase). I can only see the pending debit of $325, so I sent the bank an email. My bank responds that they do not see a pending refund yet, and "Although a refund from a merchant typically takes about three to five business days to post, in some cases, it can take up to 30 days." Which I don't understand because I can take a photo of a check and see it clear in 24 hours...
This is incredibly annoying because I know that Chase would have been perfectly happy to hit me with overdraft fees if this screw up had put me in the negative for any pending charges.
So is there anything I can or should do in order to get this resolved faster? Or just leave it to sort itself out in 3-5 business days (up to 30! really!)?
If this happens in the future, would it make any sense to ask the refund in cash? Or is that just silly talk? I have a feeling that probably would not have been successful.
She passes him my debit card and tells him "ring her up for three twenty five" (which could have been clearer, I suppose), he does something at the register and the next thing I know shes scrambling at the register and I get a sinking feeling - yep, he had rung up my debit card for $325 dollars. Which can be a bit of a nightmare at the end of the month on a checking account...
She handed me two receipts, one showing the original $325 SALE AMOUNT, and then one that says $325 REFUND, and to her credit, did not charge me for the water and ice cream. The young guy just kinda looked at me blankly, as if he didn't see the big deal.
I contacted my bank online this morning (my bank's name rhymes with Chase). I can only see the pending debit of $325, so I sent the bank an email. My bank responds that they do not see a pending refund yet, and "Although a refund from a merchant typically takes about three to five business days to post, in some cases, it can take up to 30 days." Which I don't understand because I can take a photo of a check and see it clear in 24 hours...
This is incredibly annoying because I know that Chase would have been perfectly happy to hit me with overdraft fees if this screw up had put me in the negative for any pending charges.
So is there anything I can or should do in order to get this resolved faster? Or just leave it to sort itself out in 3-5 business days (up to 30! really!)?
If this happens in the future, would it make any sense to ask the refund in cash? Or is that just silly talk? I have a feeling that probably would not have been successful.
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