Post # 1
A few months ago I called my credit card company to dispute a charge. I had called the company that made the charge, they had no record of it. Credit card company told me that I had to file an affidavit and send it in for the dispute to be filed.
2 days after I got a letter in the mail from the company who made the charge, turns out it was legitimate, no big deal. I never filed the affidavit and assumed it was forgotten.
Today I looked at my credit card statement and the funds were credited last week. Now I don’t know what to do. Do I call my credit card and tell them? Do I leave it alone?
Post # 2
I believe in always being honest. It was a legitimate charge, so the refunded money is not yours.
Please do the right thing.
Post # 3
TheMrsTulip: i know….i just needed other people to tell me that.
Post # 4
MsGinkgo: Call them up and let them know the charge was valid. Look at it this way: you’re stealing, you got something for free that was supposed to be paid for, and unfortunately not much is free in the world. I’m not saying you’re stealing but it’s just another way someone could look at it.
Post # 5
Call and let them know the charges were valid. I would be afraid they would find out they really were valid if you didn’t tell them. Then you may have issues in the future that they would not resolve for you!
Post # 6
Call the credit card company. As someone who has worked in a bank position that files these disputes I can assure you that the credit card company would be contacting the other company to investigate the charge and would probably figure out the legitimacy of the charge anyway. Save everyone the trouble and just give them an update, I promise it happens all the time!
Post # 7
Rafissch: what i don’t understand is why I was credited – they told me they’d investigate and that I had to sign the affidavit before anything would be done. It’s been almost 3 months and they jsut credited it a week ago.
I know I have to call, I’m just not sure why I actually got the credit!
(I don’t WANT to call, but I know I have to)
Post # 8
MsGinkgo: Don’t want to call because you’re nervous about it, or because you want to keep the money? If it’s the first part, don’t worry — it will be no big deal. If it’s the second part, I don’t blame you but you still need to. I’d start by calling the credit card company. Ask them if THEY put the credit through, or if the merchant did. If the credit card company did, just explain that you have verified that it was a valid charge and ask if they can reverse the reversal. If they can’t, then ask them if you should call the merchant or not. I wouldn’t call the merchant first, becauses I think in most cases it’s the credit card company that takes the hit, not the merchant. So if the credit card company paid the merchant, then credited you, then you call them and say “hey, I was credited in error, you should charge me again” then the merchant gets paid twice. I’m not positive that’s how it works though, so talk to the credit card company.
Good looking out, btw! Gotta watch those statements and call if anything looks weird. Better safe than sorry!
Post # 10
MsGinkgo: at least at the bank I worked at you would have been issued a “provisional credit” while they contacted the company to work it out. If they could prove it was fraud you would keep it but if they discovered it was legitimate ypu would get a letter in the mail and the credit would be retracted. Again, this was just for the bank I worked with and your credit card company may be different.