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Querying a laser card payment

  • 17-01-2009 11:02pm
    #1
    shayser
    Closed Accounts Posts: 1,650 ✭✭✭


    Where should I go to query a laser card payment? The bank or the retailer? I've a debit listed on my account that I don't recognise. I regularly go to this particular shop but there is an amount for a couple of hundred euro when the most I'd ever spend there is maybe €20. I've been suspicous of this shop on a previous occasion regarding the amount debited but now I'm pretty sure somthing is up.

    This'll teach me to keep receipts.


Comments

  • #2
    minxie
    Registered Users, Registered Users 2 Posts: 4,064 ✭✭✭minxie


    bet bet is your bank mate and the sooner
    the better i think


  • #3
    shayser
    Closed Accounts Posts: 1,650 ✭✭✭shayser


    Thanks. If there's something going on will the bank investigate? Previous transactions, amounts etc?


  • #4
    minxie
    Registered Users, Registered Users 2 Posts: 4,064 ✭✭✭minxie


    shayser wrote: »
    Thanks. If there's something going on will the bank investigate? Previous transactions, amounts etc?
    yes they will have all details and transactions and deductions etc!!!
    see what they say first, if theres something sinister going on
    let the gardai know, if you have any other reciepts from
    any last purchases keep them also....:)


  • #5
    Show_me_Safety
    Closed Accounts Posts: 280 ✭✭Show_me_Safety


    your bank will begin the fraud investigation if needs be!

    best of luck


  • #6
    jor el
    Closed Accounts Posts: 16,713 ✭✭✭✭jor el


    If the shop have PIN verification of the transaction, there may not be a lot the bank can/will do. But you're best off letting them know anyway. Might also be good to contact the manager of the shop, some of his staff may be getting up to things they shouldn't be doing.

    Keeping the receipts wouldn't help either, as I doubt you have a receipt for a transaction you didn't part take in. All you can do is say you didn't authorise it, and let the bank take over.


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  • #7
    Toots
    Administrators, Business & Finance Moderators, Society & Culture Moderators Posts: 16,957 Admin ✭✭✭✭✭Toots


    The only thing is if it is Chip&Pin, you might find you have very little comeback, as the onus is on the customer to check the amount on the screen before entering their Pin. If this is the case, there may not be anything that the bank can do for you. If it wasn't Pin authorised, then they should be able to do a chargeback for you.


  • #8
    wmpdd3
    Registered Users, Registered Users 2 Posts: 9,625 ✭✭✭wmpdd3


    Are you sure you didn't have a transaction with cash back, that's the most common reason for people to query laser transactions?


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