I prepaid a travel site for a hotel stay and the hotel ended up charging my debit card (which I gave them for incidentals) for the same hotel stay. So I have 1 charge from the travel site and 1 charge from the hotel - both for the same stay. Predictably.....the hotel is telling me to handle it with the travel site and the travel site is telling me to handle it with the hotel...... I used my debit card as a credit card for both charges. Bank is telling me I can only dispute an actual credit card transaction. This can't be true because the debit card is a Visa just like my credit card. I didn't sign or use my PIN for either transaction. Am I screwed because I used my debit card as a credit card instead of using an actual credit card? Which one is raping me with no lube - the hotel or the travel site (or my bank)?
It's always smarter to use credit over debit and pay off credit every month. One reason being your money isn't handed over until the balance is paid so you can always dispute a charge. In a debit, your money is transferred and harder to get back. Secondly, you'll be viewed as a more reliable borrower to credit companies when you pay your balance off monthly, increasing your credit score. The only thing you have to worry about is not spending more than you can pay off. With credit, you can't set it to decline and not overdraft like a debit card. As for your charges, the hotel should be paid by the travel website and not from your card. You should dispute that with the hotel. Keep an eye on your statements just to make sure you were only charged once and it should be from the travel website.
^^^ what he said. The hotel should not have charged you for the room. Call back and ask for a supervisor if you didn't the first time.
This. Also, are you sure the charges have settled? When you hand a card over for incidentals, they'll always put some hold charge on there. Are you just perhaps waiting for that to clear, or has it had final charges on it? I'd keep talking to the hotel, sounds like they did what they weren't supposed to. Was it on the receipt when you left the hotel?
Let me guess, Priceline? I'm still having my issue with them. They literally stole money out of my account and won't give it back.
My debit card was compromised and used for over 1k of purchases in another continent within 12 hours. No idea how my bank (Chase) didn't catch it, but I did while it was still happening and called them. They cancelled the card and it took about a week, but I eventually got all my money back.
Are you a kid? Or are you just trying to create a scenario for the board for your own amusement? Don't you always post those "my girlfriend ...." threads? Literally every avenue that you claim can't handle this can. I don't care what bank you are with you can institute a chargeback. Also, no matter what motel you stayed with, no hotel chain would ever pass the buck by telling you, we can't help you out if they have a relationship with travelsites, and no travelsite would ever do the same by telling you to go to the hotel. This is such a stupid topic. I call B.S. on the whole thing.
Pretty sure ima is married and has a family. As such, he'd never publicly speak about his girlfriend. I have no idea what poster you're thinking of.
Well, then it seems pretty crazy to me that he is having this problem. I guess he is just screwed, because he doesn't know how to handle the issue like an adult.
The internet made me do this ... NSFW Spoiler <iframe width="420" height="315" src="https://www.youtube.com/embed/fbGkxcY7YFU" frameborder="0" allowfullscreen></iframe>
Authorization hold Authorization hold (also card authorization, preauthorization, or preauth) is the practice within the banking industry of authorizing electronic transactions done with a debit card or credit card and holding this balance as unavailable until either the merchant clears the transaction, also called settlement, or the hold "falls off." In the case of debit cards, authorization holds can fall off the account, thus rendering the balance available again, anywhere from 1 to 8 business days after the transaction date depending on the bank's policy. In the case of credit cards, holds may last as long as 30 days, depending on the issuing bank.
Assuming it's not an authorization hold (the hotel may still be waiting to get paid by the travel site), I know that Chase will let you dispute debit card transactions because I have done so before. My advice is to haggle with the hotel for a refund (be sure to speak to the GM), and that's not done promptly call your bank to put in a dispute claim. I did this exact thing with a restaurant that billed me for someone else's food in addition to mine, and when they didn't get back to me after the second time I called, I turned to Chase and they immediately refunded the money. I think they then go and ask for a signed receipt from the vendor, so unless the vendor can provide this the refund stands.
