AIBU?
To thank Tesco have committed fraud on my credit card?
Ontheboardwalk · 15/06/2017 21:54
Ok so this morning found a cracking deal on JD. £18 for a litre bottle at Tesco Direct.
Checked online and could do click and collect same day service at local store for £2 delivery - brilliant. Ordered one, ok 4 bottles, used some club card vouchers all done.
Got phone call about an hour later from another store where the stock was held wanting to check if I really wanted the JD or if I was placeholding a delivery and had forgotten about it. I replied 'nope I want the JD' and thought no more about it. Collected my delivery and was happy.
Just been looking at my card statement and Tesco had cancelled the original amount of £66.50 (that inc the £2 delivery charge ) as 'reversal for late/u'
They've then recharged my card for the £66.50 again and have done a brand new charge for an additional £2 delivery charge. The payments are showing pending which I'd expect for home delivery charges as they usually come through later.
However AIBU in thinking Tesco should not recharge my card or create a brand new charge ( for £2 that I don't even owe them) without my approval and authorisation?
NeedMoreSleepOrSugar · 15/06/2017 22:00
The £2 probably won't go through, I know I often get small charges like that showing on my card for online shopping, hotels, even pay at the pump etc. I think it's a holding charge or something like that - it never goes past "pending". Even if it did, a quick call will sort it
Ontheboardwalk · 15/06/2017 22:02
Yeah I know it's only £2 and it's a little lighthearted but surely they would have needed a new separate authorisation code from my bank for the extra £2??
They would have had to say cardholder not present or something surely? Make something up?
Ontheboardwalk · 15/06/2017 22:38
Yeah I know it's only £2 but I paid the click and collect charge of £2 in my original charge of £66.50 am fine with that.
BUT someone then put an additional, unauthorised, separate charge against my account. This is a separate transaction that someone bypassed my approval on.
I'm going to ring my bank tomorrow but was wondering if anyone knew what they needed to say I'd approved for this transaction before I rang them.
Ontheboardwalk · 15/06/2017 22:49
Amelia blue as I said i had clubcard vouchers - £7.50
It's the separate transaction that's bugging me still. YES I know it's on,y £2 and I'll call my bank but they must have entered my credit card details and 3 digit code once, if not twice, without my approval??
Migraleve · 15/06/2017 23:00
The £2 is probably an authorisation amount when they cancelled your first order so they could recharge your card when you confirmed you still wanted it. Which you did.
Authorisation debits never actually leave your card, but the bank will tell you to wait 21 days to see if it either drops off or is taken by Tesco. While it's pending they can't do anything. Save your time and leave the phone call.
Ontheboardwalk · 15/06/2017 23:07
I was confirming I wanted my original order not that I was approving anyone cancelling or making new transactions on my card.
I'm not sure how they would pre approve an authorisation account on my card without my approval. That never happens where you would have expect pre arrovals like hotels etc. You have to input your pin or actually give your approval upfront on website
DrJZoidberg · 15/06/2017 23:16
Tesco do this £2 fee for every order. It's like a holding fee that goes through when you place the order. Then when it is delivered and signed for etc it's charged properly and the £2 holding fee doesn't leave your account. Otherwise they'd end up packing shopping for people whose cards don't work. I bet if you read the terms and conditions it all explained in there and your approval is given by completing the order.
Migraleve · 15/06/2017 23:19
There are no unauthorised transactions. Everything is legit. You ordered this stuff, when you confirmed you still wanted it why did you not realise you would have to pay for it?
The £2 is a red herring and will disappear soon
Just realise you have basically got what you paid for and you will be grand
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