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Original poster

Shop has overcharged me

45 replies

Sashamalia · 29/03/2024 21:48

This has never happened to me before.

I went into a shop and I bought one bottle of coca cola and one bag of crisps. I tapped my debit card to pay.

I've just looked at my mobile banking app.

The shop has overcharged me. They have charged me for

4 bottles of coke.

It shows on my bank like this:

Coca cola 1 80
Coc cola 1.80
Coca cola 1.80
Coca cola 1.80

On top of that they have charged me for 3 bags of crisps

And they have also charged me three other amounts of money that are
£4.80
£5.00 and
£5.80
It shows their shop name beside these transactions

I have frozen my card on my bank app so it can't be used by anyone anymore.

But i'm just shocked. How could this have happened?

I just tapped my debit card on their card reader, and I checked the amount when I tapped.

Can a shop merchant get card details from their card reader, and use the details?

OP posts:
rainbowunicorn · 29/03/2024 22:01

I've never heard of a mobile banking app that actually shows the individual items on the app. What bank do you use?

Original poster
Sashamalia · 29/03/2024 22:03

@rainbowunicorn

I just looked back through my mobile app.

It doesn't show the items for any other shop.
It just shows the shop name.

This is the only shop , it shows the items for. So that's unusual too.

OP posts:
GrazingSheep · 29/03/2024 22:05

Did you go back to the shop?

Original poster
Sashamalia · 29/03/2024 22:07

GrazingSheep · 29/03/2024 22:05

Did you go back to the shop?

This happened to me at 9pm. The shop is closed now.

OP posts:
ChedderGorgeous · 29/03/2024 22:09

Did the transaction go through immediately without an issue or did you have to use pin also ? Did you swipe more than once ?

Citrusandginger · 29/03/2024 22:09

rainbowunicorn · 29/03/2024 22:01

I've never heard of a mobile banking app that actually shows the individual items on the app. What bank do you use?

I'm or aware of it either - it all sounds very strange. I thought this was the reason some shops were reluctant to accept banking app notifications as proof of payment. It only shows the amount and not the goods purchased.

Acapulco12 · 29/03/2024 22:12

I’d suggest you go back to the shop tomorrow to query the transactions. Do you have a receipt for what you bought?

Original poster
Sashamalia · 29/03/2024 22:14

ChedderGorgeous · 29/03/2024 22:09

Did the transaction go through immediately without an issue or did you have to use pin also ? Did you swipe more than once ?

It went through immediately without an issur. I tapped once. I didn't use chip and pin.

I'm upset.

Because I'm thinking did the girl in the shop steal from me? But does the technology exist for someone to do that? Can they take our card details from the machine?

If it was one duplicate charge it could have been an error. But there are about 8 extra charges.

OP posts:
Mammma91 · 29/03/2024 22:27

Was it a local chain shop, or a local business? You can contact places like spar via email. How annoying - it’s not a lot of money in the grand scheme of things but the charges all add up and it could’ve been your last. I wonder if it’s a technical fault, are the transactions still pending? Could you call the bank and hold the charges as a dispute?

ConstitutionHill · 29/03/2024 22:29

Hopefully the till will have been on camera and shows your actual purchases.

Very strange and worrying if it's some new kind of scam.

Original poster
Sashamalia · 29/03/2024 22:30

It was a very small cafe counter selling drinks and snacks at a UK airport. There was only one young woman standing there working at the counter.

I've just come through the airport. I'm meant to be on a nice weekend away.

I'll be back in that same airport next Monday evening on my return journey so I'll go to the shop then.
I've frozen that debit card. Luckily I have another debit card.

It is worrying. How can they do that

OP posts:
Twistie · 29/03/2024 22:32

Contact your bank to report fraudulent transactions.

Antagonishy · 29/03/2024 22:35

You should ring the number on the back of your bank card straight away. They are open 24 hours a day. Its for them in investigate and refund, not for you to go back to the shop.

Original poster
Sashamalia · 29/03/2024 22:36

Twistie · 29/03/2024 22:32

Contact your bank to report fraudulent transactions.

Yeah I will do. Though I know when I do that they will cancel my card and send a new one , and it will take ages to get a new one with the bank holiday weekend, which is really annoying aswell.

OP posts:
DontCallMeKidDontCallMeBaby · 29/03/2024 22:37

I’m assuming they’re just showing as pending transactions? Very similar happened to me a few months ago. When I looked on my banking app it showed the charge pending 3 times. The place was closed, so I couldn’t do anything about it till after the weekend. By the Monday, the pending transactions had all disappeared, and only one charge had cleared. Hopefully similar will be the case for you, too.

Edited to add, I absolutely report it to your bank now though. You lose nothing if it turns out to be nothing, better safe than sorry.

Original poster
Sashamalia · 29/03/2024 22:37

What's worrying is so they charged me for four bottles of coke and three bags of crisps.

But then they also charged me on top of thr for three different amounts of around five euro each.

And I think they would have kept charging more amounts , if I hadn't seen it online and frozen my card

OP posts:
Original poster
Sashamalia · 29/03/2024 22:40

DontCallMeKidDontCallMeBaby · 29/03/2024 22:37

I’m assuming they’re just showing as pending transactions? Very similar happened to me a few months ago. When I looked on my banking app it showed the charge pending 3 times. The place was closed, so I couldn’t do anything about it till after the weekend. By the Monday, the pending transactions had all disappeared, and only one charge had cleared. Hopefully similar will be the case for you, too.

Edited to add, I absolutely report it to your bank now though. You lose nothing if it turns out to be nothing, better safe than sorry.

Edited

Yeah they're showing as pending but it's showing as pending four times for the coca cola, three times for the crisps, and then also three amounts of money for stuff i never paid for at all. So it definitely doesn't look right.

Yeah I'll have to get onto the bank. Its just so annoying as I know when I ring fraud, they'll cancel the card and send me out a new one. When I wanted to use this one next week.

OP posts:
DontCallMeKidDontCallMeBaby · 29/03/2024 22:45

Sashamalia · 29/03/2024 22:40

Yeah they're showing as pending but it's showing as pending four times for the coca cola, three times for the crisps, and then also three amounts of money for stuff i never paid for at all. So it definitely doesn't look right.

Yeah I'll have to get onto the bank. Its just so annoying as I know when I ring fraud, they'll cancel the card and send me out a new one. When I wanted to use this one next week.

Edited
Show quote history

The random amounts are more concerning, and it’s also weird that they charged you separately for the coke and crisps! When it happened to me I’d taken dc to a play cafe. The entrance fee was only showing once, but the charge for our food and drink three times. Two of them literally disappeared and just never cleared. I was hoping you would have a similar outcome, but your situation does seem more suspicious.

concernedchild · 29/03/2024 22:48

Did you buy anything on the plane?

Borborygmus · 29/03/2024 22:49

DontCallMeKidDontCallMeBaby · 29/03/2024 22:37

I’m assuming they’re just showing as pending transactions? Very similar happened to me a few months ago. When I looked on my banking app it showed the charge pending 3 times. The place was closed, so I couldn’t do anything about it till after the weekend. By the Monday, the pending transactions had all disappeared, and only one charge had cleared. Hopefully similar will be the case for you, too.

Edited to add, I absolutely report it to your bank now though. You lose nothing if it turns out to be nothing, better safe than sorry.

Edited

Yes I've had the same thing (on several occasions) when using a credit card. I tend to ignore it as it always seems to resolve itself in the end.

Original poster
Sashamalia · 29/03/2024 22:49

concernedchild · 29/03/2024 22:48

Did you buy anything on the plane?

No.

And it shows the UK airport restaurant name beside the transactions.

OP posts:
Original poster
Sashamalia · 29/03/2024 22:54

Borborygmus · 29/03/2024 22:49

Yes I've had the same thing (on several occasions) when using a credit card. I tend to ignore it as it always seems to resolve itself in the end.

Show quote history

I just looked at my mobile banking app again and I noticed a detail I hadn't seen before.

A bottle of coke was 1.80 in the shop. I bought one bottle

on my bank app It shows four transactions for coca cola

It says

Coca cola 1 80
Coca cola 1.80
Coca cola 2.80
Coca cola 1.80.

So you see one of the cokes was charged as 2.80 .

So that definitely doesn't look like one Coca cola transaction waiting to clear

It looks like she put in different amounts of money under the name of Coca cola

OP posts:
Ponderingwindow · 29/03/2024 23:32

Don’t waste time going back to the store. Just contact your bank and report the fraud.

this sort of thing happens all the time. The first time you panic. The second time you panic a bit less. By the time you are older and it has happened a dozen times, you will just be annoyed you have to make a phone call.

it’s also a good example of why debit cards are a bad idea. This money has left your account and that may have temporary consequences. If you used a credit card and paid it off each month, you would have a built in buffer to fraud.

Original poster
Sashamalia · 29/03/2024 23:34

Ponderingwindow · 29/03/2024 23:32

Don’t waste time going back to the store. Just contact your bank and report the fraud.

this sort of thing happens all the time. The first time you panic. The second time you panic a bit less. By the time you are older and it has happened a dozen times, you will just be annoyed you have to make a phone call.

it’s also a good example of why debit cards are a bad idea. This money has left your account and that may have temporary consequences. If you used a credit card and paid it off each month, you would have a built in buffer to fraud.

I definitely have been starting to realise more and more, that debit cards are not safe.

OP posts:
shoppingshamed · 29/03/2024 23:40

How can the name of what you bought be on your bank app, that's not how it works unless the shop is actually called "coca cola"