Double charged by Amazon and “totally stuck”

Dylan Tack is hit with an extra $359 for an impact wrench he orders from Amazon.com. Can this accidental billing be repaired? Read more “Double charged by Amazon and “totally stuck””

Warning: When buying a $4,000 mini pig, do not use your debit card

When Meghan Robinson bought a mini pig named Peaches, she was devastated when the piglet was deemed unhealthy, and the sale fell through. But now she’s not only missing Peaches, but the breeder is refusing to refund the $4,000 Robinson paid for her. Read more “Warning: When buying a $4,000 mini pig, do not use your debit card”

Why am I chasing Chase to get my $11,422 back?

When Robin and Arie Genchel heard from Chase that someone in France had charged over $11,000 to their debit card for a jewelry purchase, they had every reason to believe their card would stop payment of the charge.

But the following day, Chase debited their bank account for the full amount of the charge – and more. And it won’t reverse the charge even though it was clearly fraudulent. Read more “Why am I chasing Chase to get my $11,422 back?”

No rental car — but they still have my money

Question: I’m having trouble with a car rental reservation that never went through. I thought I had secured a reservation through Hotwire.com for a car in St. Petersburg, Fla., using its “bill me later” option.

When I printed out the details, I notice that there was a 19.99 percent interest rate if payments weren’t made within 25 days. I waited for an invoice, and when I didn’t get one, I just mailed a personal check to Hotwire.

On the day of my trip, I called Hotwire to double-check my reservation. That’s when I discovered there was none.

I checked to see if the check was debited from my account, and sure enough, it was. I immediately called Bill Me Later and asked them to return my money. They seemed agreeable, and asked me to fax all the pertinent information. A customer service representative said it would take five to seven business days to respond.

It’s now been several weeks, and I haven’t heard from Bill Me Later. I’ve contacted Hotwire and faxed them all the details. I’ve also been in contact with them by phone, but a manager said there was nothing they could do for me.

I don’t think I should pay $387 for a car I never got. Is there anything you can do to help me? — Kay Rihn, Lititz, Pa.

Answer: Hotwire should have refunded your purchase weeks ago. Bill Me Later is just another payment option, but the way you paid for the car shouldn’t really matter. You deserve your $387 — now.

Cars booked through Hotwire are nonrefundable. And, unless you’re paying through Bill Me Later, your credit card is charged for the rental immediately. Bill Me Later is a third-party site that allows you to postpone your payment, but you have to read the fine print carefully, which you did.

But maybe you should have kept reading. One of the frequently asked questions on the site addresses your situation. “If you are expecting a billing statement and have not received it, there could be a problem with the billing address we have on file,” it says. “Please login to view or change your address.”

When you’re booking travel online, assume nothing. And when you’re booking travel through multiple services (say, a car rental company, an online travel agent and a third-party payment service) assume something will go wrong. Maybe I’m being a little dramatic, but whenever your money changes hands so many times and you’re using an intermediary like an online agent, the odds of something going wrong certainly increase.

You should have phoned Hotwire when you didn’t receive a confirmation of your purchase. I’ve used Hotwire to book rental cars, and I usually get an email from the site within five minutes of clicking the “book” button. Waiting a few days and then sending a check was probably the wrong move — even if you were looking at a 19.99 percent interest rate (which, by the way, is a tad high).

Unless you have an email that confirms your car, you shouldn’t be paying anyone. When it became apparent that Bill Me Later had your money and you had no reservation, you should have not only contacted Hotwire and Bill Me Later, but also your bank. If you catch a mistake like this early enough, your bank can stop payment on a check.

I contacted Hotwire on your behalf. It asked Bill Me Later about your money, and you’ve been sent a full refund.

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