Online Banking - I'm in a *sticky* situation

[ls2poweredgoat 5,000+ posts]

So I ordered a new clutch/flywheel for my car on Tuesday...ordered/paid by phone and they charged my checking account later in the day...and it showed up on my account as "grip force clutches - $270.99" - and that amount was deducted from my checking account.

Now say after that deduction I have $100 in my account ok. I woke up this morning, logged on to my online banking and the $270.99 was BACK in my account (account shows $370.99 total) but there is absolutely NO history of the transaction in the account. No charge, no refund, nothing. It's like I never even placed the order.

Now the clutch was shipped out that Tuesday, I received a tracking number (UPS FTL) later that evening. So I checked this morning on UPS.com and it says "25th - Departure scan" - from the warehouse I'm assuming. But it still says "in transit on time". I know UPS is usually pretty slow to update their site.

So I headed up to the bank and talked to them, they said the store has up to 60 days to realize what happened and charge my account if there was some type of mistake.

I'm afraid if I call them up, I will get charged today, and the first charge will bounce back and bite me in the *** within the next 60 days, on behalf of THEIR mistake.

WTF should I do?

Click to read more...

 

[Jameseypoo 5,000+ posts]

rawr rawr fight the powah

 

[ngsm13 5,000+ posts]

Hmmm....

nG

 

[boltpride 10+ year member]

i think u should just wait. Same thing happened to me a while back. I thought the order didnt go through and i got charged twice. Just wait, itll come in and theyll charge u soon.

 

[blazeplacid 10+ year member]

have you never ordered anything online....ever?

alot of companies do this, dont know the reason why

usually will chage it 2 weeks later or seomthing

 

[stangman67 10+ year member]

If you pay more attention to your bank accounts, charges do this. They sometimes show up and then disappear. It will all equal out int the end. My GF bought a 1000 dollar plane ticket that was taken out then the money was back in the account for a few days and left again.

 

[dman4486 5,000+ posts]

wait a couple of days to see if you get the clutch.

if you do, then give them 60 days and then you got a free clutch.

if not, then wait a few more days to see if the charge comes back then reorder

 

[Terranova 10+ year member]

This happened to me when I bought my Clarion DPX11551 from onlinecarstereo.com They charged my account the 300 dollars and it was taken out then the next day it was back in. I recieved my amp and the money was still there. But a few days later I noticed that they finally took it out of my account. I was excited, I thought I was getting a free amp //content.invisioncic.com/y282845/emoticons/smile.gif.1ebc41e1811405b213edfc4622c41e27.gif Just becareful not to spend money unless you have to. Trick yourself into thinking you only have how ever much after that deduction so you dont go over.

 

[ls2poweredgoat 5,000+ posts]

have you never ordered anything online....ever?
alot of companies do this, dont know the reason why

usually will chage it 2 weeks later or seomthing

I order something online every other day, and I've NEVER had this problem before.

I'm just going to wait it out, like others have said, I'm sure they'll charge me eventually. I'll just have to keep that $$ set aside and pretend it's not even there.

 

[dman4486 5,000+ posts]

and BTW. they put a hold on your money. this is why it shows and then goes away.

 

[John3000 10+ year member]

Just remember, you only have $100 in the bank even though it says otherwise....overdrafts fees are a b!tch. //content.invisioncic.com/y282845/emoticons/frown.gif.a3531fa0534503350665a1e957861287.gif

 

[billjones42 10+ year member]

close the account and open another with the same bank. boom...free clutch.

 

[Chevillac 5,000+ posts]

and BTW. they put a hold on your money. this is why it shows and then goes away.

this.

 

[kasimo420 10+ year member]

this.

x2. Always happens to me. Checking to make sure you have the funds.

 

[IamDeMan 5,000+ posts]

I think you should STFU and GTFO