Unauthorized charges from a vendor!!!

posted 3 years ago in Money
Post # 3
Member
804 posts
Busy bee
  • Wedding: May 2014

@Aadams4:  That’s awful!  I’d see if I could get my money back and find a new vendor… sketchy!

Post # 5
Member
2891 posts
Sugar bee
  • Wedding: May 2015

@Aadams4:  Is there a reason are you paying with a debit card? In the US, credit cards offer more protection when this kind of stuff happens. Can you put your other bills on your credit card? As long as you pay in full each month, you’re protected and don’t have interest payments/fees. 

I’m sorry this vendor sucks – can you get out of the contract?

Post # 7
Member
2891 posts
Sugar bee
  • Wedding: May 2015

@Aadams4:  Nice bank! Sounds like a sophisticated envelope system. I get nervous when my funds get frozen, so I personally prefer credit cards… that and my bank has screwed up policies for debit cards / auto pay that has resulted in fees. 

People make mistakes, but he should give you a sincere apology and do what he can to make up for the hassel!

Post # 8
Member
5697 posts
Bee Keeper
  • Wedding: August 2012

It’s strange that nothing will go through just because you are changing your debit card. People lose debit cards all the time and their accounts aren’t shut off. Are they physically closing and giving you a new account? I’d discuss that further with the bank before you end up with a million dollars in fees from your bills.

Aside from that, what an idiot.

Post # 9
Member
1500 posts
Bumble bee
  • Wedding: August 2013

Is there any way your DJ can reverse the charge? I’m baffled that this freezes your account, but I always use CC and they have better protection (Amex for example allows me to use the card after I mark a charge as fraudulent). I would talk to your bank about the predicament you’re in

Post # 10
Member
965 posts
Busy bee
  • Wedding: January 2014

I would be annoyed at both the DJ and your bank. Why couldn’t they deny the fraudulent charge and let you keep the card? That seems reasonable. The DJ should have apologized more than once. Is the person who screwed up the same one that will be there that night? If so, I would tip FAR less (maybe nothing?) for the hassel he created. However, if he is just the business man and someone else is the DJ, then you shouldn’t withold the tip, because the error wasn’t their fault.

Post # 13
Member
5697 posts
Bee Keeper
  • Wedding: August 2012

@Aadams4:  I see the companies are using the debit card number not just your bank info. Well that’s a bummer, try calling the company’s who are going to be putting bills through asap and let them know!

Post # 14
Member
42453 posts
Honey Beekeeper
  • Wedding: November 1999

Anyone can make a mistake, so I wouldn’t suggest you look for a different DJ at this date.

I would however tell him, in no uncertain terms that you will be deducting the costs you incur as a result of his mistake, from his next payment.

Keep track of any expenses incurred because of late charges etc. When you make the next payment to the DJ, deduct that amount.

Post # 15
Member
63 posts
Worker bee
  • Wedding: June 2014

I know how you feel – my venue charged me DOUBLE the deposit I authorized ($1000 instead of $500). It was one huge charge so it wasn’t even like it was a mistake – someone must have deliberately punched in the numbers. They weren’t apologetic at all and I wished I had another venue I liked so I could switch! Like you said, I have no idea how some people function in this business.

I agree with julies1949 – absolutely charge him for the fees.

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