Obtained a car rental under insurance policy whilst my car is repaired.
Insurance paid out 5 days advanced car hire with view to extend up to 3 months as long as my car is needed for repair.
Car took 6 days, returned it and the rental company charged me 1 day rate to my Credit Card (which was only used for security purposes)?
Called back Rental Car Company and asked them to charge the insurance and refund me the 1 day rate - accepted.
4 weeks later I was sifting through my receipts in wallet and saw the receipt of payment of 1 day to my CC, I thought crap - they didnt refund me the 1 day.
I called up and complained, operator went on hold for 10mins, came back and said…umm sir we found out we refunded $500 instead of $50, please confirm?
Im like well if I new that would I be calling you?? Operator thought good question, they said send us your bank statement to prove otherwise, I said ok.
Checked my online transactions dating back 4 weeks and indeed it was 500, can't believe I missed it. I thought i'll get them the bank statement when I get time later next week.
They called back next day to follow up and missed the call.
Got busy and forgot about it for 1-2 weeks
Checked my online balance and they decided to pull up my Stored Credit Card (which I never agreed to be stored) and charged it 500 and credit 50.
They wrote me an email and said "thank you we placed a charge on your stored credit card and provided the correct refund"
Whilst i 100% agree the money must go back to them and dont intend to 'steal it' - at no point did I:
- Authorise that transaction
- Agree for my Card details to be stored 6 weeks+ (probably indefinitely).
There are other ways to claim this back, such as sending me a formal invoice….what do you guys think?
If the banks say it's ok to store the details then there's not much you can do. They're the ones taking the risk.