This day can end now. Really. Seriously.

[thistlechaser]

I've had about 12 hours of sleep in the last three nights, and I had a hellish day, so I'm at the point of overreacting now. I'm happy I didn't snap at any of the phone people though, it's not their fault. Damned supermarket charged my ATM card three times for my groceries, and charged my credit card once. (Since the scanner thing wasn't working on one card, we tried another to see if it was the card's fault.) So I had some nice chats with front-line Citibank support people in India, before they transfered me to a US "expert". They're opening some kind of dispute case for me. Talked to the credit card people, they're opening the same sort of case.

I really want to cry. So what happens if these charges are reversed? Will the supermarket put me on some sort of list as a person not to sell to, because I'll make the credit card company/bank later reverse the charges? Because you know the minimum wave supermarket people won't remember me or this problem, so it'll be just my word against theirs... (The charges aren't all exactly the same, as sometimes I tried to get cash back as well.) Maybe because the times will be so close they'll believe I'm not just trying to get my groceries for free...

And if they're not reversed? I'll have paid $240 for $60 in groceries...

Tomorrow better be a better day, because next week is going to be a bad one at work. (We have no QA department (and yes, we're a software company), so each department has to do the testing for the product they work with. We have a bunch of new stuff releasing, so it all needs to be tested.)

Comments

They'll be reversed

[kirbyk.livejournal.com]

There's almost no chances that the charges won't be reversed. It might take them a while, because they want to check to see that you're not scamming them, but in this case it's pretty obvious that 3 charges consecutively, at a grocery store, are probably an error.

From my time at Tuxtops, I learned that even in the cases of legitimate fraud, the customer almost always wins. It didn't matter much what lengths we'd gone to as a merchant, we were the ones that ate the cost in the case of stolen credit cards. This was a factor in why Tuxtops isn't around anymore, and definitely why we stopped international shipping altogether.

It probably will go into your file, and if you report a lot of fraud cases, eventually they'll stop believing you. No idea how many this takes.

I had one bad charge on a card once (for a month of Earthlink, which I didn't have.) I think the credit showed up on my next statement, no big deal. I had to mail in a very short form, formally disputing the charge, and they took care of it. Not worth getting stressed about, and my credit is still excellent. (Not sure how it happened. Never had another fraudulent charge on that number, but it just happened as Citibank was switching me over to a Mastercard with a new number (without telling me) anyway. The new card was already in the mail.) (But that's not at all relevant to you, I just like parentheses.)

If your credit card company doesn't believe you, cancel the card and pick up the next offer that comes in the mail. (They'll let you cancel with a balance, and keep paying it off like normal. You just can't charge anything new on it.) They'll probably send you to a 'save team' person once you say the c-word, and they might reverse the charges, or offer you a lower rate, or something. If not, and they don't trust you, someone else will.

Re: They'll be reversed

[thistle-chaser.livejournal.com]

Thanks for all the info, and hello as well. I was going to post a hello-comment in your baseball thread, but then work ate me and I forgot I hadn't done it. You hadn't LJ posted in a while -- I was hoping you were okay!