Resolved Question
Credit Card Payment Dispute?
I closed my credit card account in Aug 2009 last year having fully paid off the balance.
Then credit card company send me a another bill in Nov 2009 and charged the sum of £920.00 citing that the company wrongly credited my account in M ay 2009 and now realised that they made an error so they have taken money back.
Then credit card company send me a another bill in Nov 2009 and charged the sum of £920.00 citing that the company wrongly credited my account in M ay 2009 and now realised that they made an error so they have taken money back.
Best Answer - Chosen by Asker
Right, this happens quite often. A credit will have been made to your account by accident, probably meant for somebody elses, and it will eventually show up on a rapport.
Its completely human error most of the time!!
How didnt you notice this amount credited to your account first of all?! haha! Anyway, you will need for them to send copy statements around that time of the dispute, and you need to get copy statements from your bank for you to match the two up. If they have credited money which didnt come from your bank then unfortunately you would have to pay this money back.
HOWEVER..... Please do not give in to them easily!! Speaking from actually working in a Credit Card company!! Ask for some sort of interest free arrangement on the money as it is unfair to pay it all back at once. It is their mistake at the end of the day. If this is refused at the first stage, ask for the call to be escalated and then speak to a supervisor... and so on. You will get alot more done that way!
Get back to me if you need any more help on the matter. The trick is just how to twist it your way.
Its completely human error most of the time!!
How didnt you notice this amount credited to your account first of all?! haha! Anyway, you will need for them to send copy statements around that time of the dispute, and you need to get copy statements from your bank for you to match the two up. If they have credited money which didnt come from your bank then unfortunately you would have to pay this money back.
HOWEVER..... Please do not give in to them easily!! Speaking from actually working in a Credit Card company!! Ask for some sort of interest free arrangement on the money as it is unfair to pay it all back at once. It is their mistake at the end of the day. If this is refused at the first stage, ask for the call to be escalated and then speak to a supervisor... and so on. You will get alot more done that way!
Get back to me if you need any more help on the matter. The trick is just how to twist it your way.
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Other Answers (2)
- I would demand an audit of the account. Have them prove that they made the mistake, identify the mistake. Then you check your financial records to verify that you paid the debt in full. Be sure you go back to the May 2009 date, not just the Aug 2009 date.
- Well, had they? You can surely check on that. If they have then they are entitled to their money back. Mind you, I would have thought you'd have noticed if it had happened, it's not exactly a small amount.
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