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So, my husband looked at our bank account this morning and realized that our wedding venue debited $1000 from it yesterday. We got married 10 MONTHS ago and we were paid in full the week before.
Now, we live overseas and I can't call and bitch at them. I e-mailed my mom and asked her to do it for me. I am LIVID. WTF. Where do they get off taking money from us after the fact?
I'm just worried that they'll be bastards about it because I don't think I have any of the paper work from the wedding anymore. When I was packing to move overseas, I'm pretty sure I threw it all out... didn't figure I'd need it.
So, if my mom can't bitch at them enough, what can we do? Can we dispute the charge with our bank or something? I just want our damn money back.
Yes, you absolutely can dispute it with your bank. Typically banks like you to try and resolve the issue on your end first before filing a dispute.
Do you still have your contract and any reciepts to prove you paid in full? Did they charge a debit/credit card? If so I would cancel that card to prevent any future transactions.
Ask the bank for the proof of authorization and the bank will have to go back to the venue and ask for a signed receipt, there are times that these things come out then go back in later as a mistake and I hope it is one of those times.
call your bank - your details may have been stolen from the vendor and dispute the charges
@zippylef: Definitely dispute it!! They venue should have a signed copy of your contract and they will need to show that if the charge gets disputed... and when they provide that copy of the contract then it should say how much you owed etc
Thanks, ladies. I'm going to wait for my mom to talk to them and see what they say before I contact the bank.
This is freakin ridiculous.
Good luck disputing it! I hope your bank is better than mine, it took a month to get a fraudent charge put back into my bank account when someone stole my debit card number.
@zippylef: I callyour bank asap and see if they have any advice, they may have you cancel your cards.
That is crazy! I hope it's a mistake and you can get your money back. Its scary to think that your bank account can be charged almost a year later with out warning.
and if it is a large bank, they should have a free international number for their clients that travel over seas alot. Check their website, it should be on there somewhere.
@tksjewelry: Unfortunately, it's a small credit union. I'm wondering if I can go to the military credit union here on base... I know a lot of CUs are partnered.
@zippylef: that is true, my sil has done that and most of them can work together. This sucks!
I'd call your bank first. I used to bank with a major US bank and it was their policy that if I wanted to dispute something, I had to contact them and they would contact the retailer, otherwise there was nothing to very little they could do.
My limo company did that to us too, but aparently it was because we made the limo wait an extra half hour whent hey came to pick us up at the end of the night because we were saying our goodbyes. Did you go over on your time with your venue or did you go over on alcohol or food?
Definitely dispute it with your bank. By disputing it, your bank will issue the venue a “chargeback” and the venue will have to provide them with a signed credit slip from this transaction. Since you didn’t authorize it and obviously didn’t sign anything, the bank will have no choice but to reverse the charge. Be prepared though, depending on your financial institution and how quick the venue is to respond to these types of things, it could take up to 45 days for you to see any kind of reversal.
***UPDATE***: My mother called them and they told her that they were aware that they had some kind of glitch with their computers. I guess that means thats how we were charged? They are supposed to be calling her back. She said she'd call them back if she didn't hear from them today.
Fingers crossed that we can get our money back quickly!
Should we still contact our bank just in case?
@zippylef: I hope you get it back son! But I want to know why they had your bank info on file?! That seems very sketchy to me.
Call your CU now! They will reverse the charges. They might put a temporary reversal on it at first, but if you didn't authorize it, there's no reason why it wouldn't become a permanent reversal. You don't have to try to clear it up with the venue first.
You can dispute it through the bank but 9 times out of ten you need to have talked to the other party before contacting the bank! If they are not willing to help, then you can go through the bank!! I am so sorry this is happening!! How irritating.
I think it's important to call your bank the moment there is anything strange charged. Don't wait!
@bakerella: I know, right? Weird thing is, it was charged from DH's OLD card number. He lost his card probably 6 months ago and we had the number turned off.
@zippylef: Yaaaaaaaa I would get your mom to give them what for about that too. That is not good business practice. AND I would give your bank what-for for letting a charge go through on a card that's been cancelled!!! So many errors in the system!!
@zippylef ..... wow, how in the world did they charge an old number?!? And yes, totally call your bank! This is nuts! Keep us updated!
I'm not sure if your venue is a hotel, but if so, we kept all credit cards on file indefinitely. All it took was a few clicks to pull up your number. It was great for repeat customers who just wanted to use the card on file. Never had any computer glitches though.
Hope it's sorted out soon for you!
What the whaaaaat?! I really hope you get this resolved... I'm so sorry this happened. Definitely call your bank asap.
Oh my gosh, so sorry this is happening to you!
Let us know how it turns out!
I always call my bank first when there has been a charge to any of my accounts that I didn't authorize. Then I contact whoever made the unauthorized charge.
The reason I do that is because it could take a long time to clear things up with the whoever charged my account without authorization. But if I tell the bank that a charge is unauthorized, they immediately reverse the charges, they usually do a temporary reversal, but at least I have my money back. Plus, if it takes several months to get the charge cleared up, not paying that disputed charge does not go against my credit report.
Whenever there is an unauthorized charged, you should treat it as though your card, account information, identity, etc. has been stolen. Go to your bank first.
Do not rely on your mom to do this for you. I realize you live "overseas" but i am in one of the worst parts of Afghanistan and can still make several phone calls a week. I may have to walk in 120 degree heat, a half of a mile, with full gear on but i do it if somethings important like family, money, and wedding planning I'll do it! Most venue places have a email on the contact portion of the page you could email them too. I have lived in Germany, Austraila, Afghanistan, Krygistan, and Kuwait and have still been able to make phone calls? Where do you live that you can make a 5 minute phone call to straighten this out. It seems weird to me, You are married stop relying on your parents to take care of your issues. I am not trying to be harsh but I think this is best handled on your own.
@zippylef: Your bank sucks.
Also, maybe they can e-mail you the paperwork you need, you can fill it out and scan it and e-mail it back to them? I'm shocked that a bank can only handle this situation through snail mail! (Plus they SHOULD be able to send it to your FPO/APO and treat it as a domestic shipment, that's what they are for!!)
You're doing everything you can, at this point I would start shopping around for a new bank. (I use USAA and have ALWAYS had amazing service. I highly recommend them!)
ETA-How did this end up on the first page??? Wendell!!
@mah434s: Um, excuse me.... but I don't need or appreciate your lecture. I have already handled this issue for myself. This post was more of a vent than anything else. I would say something further, but I don't feel like getting in trouble for saying what I really think about your comment.
Next time, think before you speak. Saying "I don't mean to be rude" doesn't make you any less rude. This site is for supportive people and helpful advice, keep that in mind before you post. You may want to review our new commenting policy.
@mah434s: time for someone to get off their high horse no?
I want to apologize on behalf of the previous poster. I hope this got resolved. Any word on when you'll be getting your money back? That is seriously messed up.
Ugh, that totally sucks. As other PPs have said, call your bank (or have your mom call them) immediately. They'll either suspend or reverse the charges while you get this worked out, I believe.
So bizarre.
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