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

[Annnarbor84 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?

I have had this happen to me the company took the money and then it appeared back, a week later it was gone again. My bank told me they were verifying the funds were in my account:crazy: Just anticipate that the money is gone, don't do anything with it just leave it alone.

 

[vgeek 10+ year member]

Think that's just the authorization, it expires after so long, then they have so many days to actually capture the funds.

 

[lilmaniac2 5,000+ posts]

just wait, it'll show back up.