mam98031 • Volunteer Community Member • Buyer/Seller since 1999
@north40sales wrote:I stand by what I said. The place to start is with the seller. @danno712 should contact their seller as their may be an easy explanation for this. The buyer may not like the explanation, but they will at the very least likely have the reason why it was charged. I'm not saying the seller would be correct. That will remain to be seen after they respond.
Not everything has to rush to a claim or a chargeback. All those extra steps can often be avoided with some simple communication. Jumping to conclusions or assuming is typically not the answer.
OK....so the OP contacts the seller with the why did you charge my card for $20.32 when it should have been for $12.99 plus tax?
What is the seller supposed to tell them when they have zero input on the payment transaction? They have no access to the payment stream to see what was authorized or charged on the card.
In my business when I see this sort of thing happen, it has always been the funding source authorizing a higher amount than requested and the buyer seeing the pending authorization on their current activity and not understanding that it is an authorization and not a settled charge. My first question I have for them is this: Can you check with your CC Company and find out if what you are seeing is a pending authorization or a settled charge and get back to me?
I'm unsure as to why you are trying to make an argument to keep the seller out of the loop. It makes no sense whatsoever. This is a transaction that is between the buyer and the seller. The buyer has an issue, that should be brought to the seller's attention. The seller may very well be able to answer what went wrong quickly and be able to explain it to the buyer. They may bring the buyer's attention to the part of the listing that did state there was a shipping charge, or they may see where a mistake was made by the seller and that the buyer is owed a refund.
Just because someone pays with a CC doesn't mean you shut the seller out on issues. The only thing that means is that the buyer chose to remit payment via a CC.
If you regularly see 56% markups on a pending payment, then I'd say something was really off. And if I noticed that on one of my CC, it would be the last transaction I had with that bank.
@north40sales wrote:That is nothing I've ever seen or experienced. So beyond that IDK. I can say my Visa, Mastercard nor Discover work in this fashion. But I realize there may be some cards that act differently.
FYI, the mark up on the OP's amount purchased was a little over 56%. That seems excessive under your explanation.
The amount I've seen in these instances is usually @ 26%.....but unless the OP comes back with addl details, we really don't know.
That changes nothing. Either the CC is putting over 56% additional funds on the funds being pinged, which it outrageous by most people's standards. Or their may be a simple mistake made that the Seller can answer for the buyer with a simple email.
Either way, IMHO the first thing to do is email the seller. IDK why anyone would prefer to assume stuff and do this the long way around by involving their CCC. But to each their own.
@eburtonlab wrote:The OP remembered a purchase for $12.99.
But the OP also made another purchase for $18.99.
$18.99 plus 7% sales tax ($1.33) is... $20.32.
If the OP is in a 7% sales tax state, I think that would neatly explain the $20.32 charge.
That would make perfect sense. How did you get this information?
@eburtonlab wrote:How did you get this information?
The last feedback the OP received was from a seller that recently left the same feedback comment for a buyer with a 168 feedback number (same as the OP) for an $18.99 purchase.
Not conclusive proof by any means, but the most likely explanation given the facts.
NICE JOB!!! You are so clever. Always a pleasure to converse with you. I always learn new things. I LIKE IT!
@north40sales wrote:I'm unsure as to why you are trying to make an argument to keep the seller out of the loop. It makes no sense whatsoever. This is a transaction that is between the buyer and the seller. The buyer has an issue, that should be brought to the seller's attention. The seller may very well be able to answer what went wrong quickly and be able to explain it to the buyer. They may bring the buyer's attention to the part of the listing that did state there was a shipping charge, or they may see where a mistake was made by the seller and that the buyer is owed a refund.
Just because someone pays with a CC doesn't mean you shut the seller out on issues. The only thing that means is that the buyer chose to remit payment via a CC.
If you regularly see 56% markups on a pending payment, then I'd say something was really off. And if I noticed that on one of my CC, it would be the last transaction I had with that bank.
So what is this seller supposed to tell this buyer about this charge on their CC that they are asking about?
The seller has no info at all on what is actually charged and is not even a party to the transaction.
Also, I am not trying to have an argument with you.....in my view it is a conversation.
Let us not be obtuse. I've been VERY clear in what I've said. The seller may be able to spot a problem and help the buyer resolve it. Maybe something went wrong with the Shipping calculator. Maybe they were charged a shipping fee when the listing was set up as Free Shipping [that has happened many times], maybe it will be something else the seller can spot or maybe the seller won't be of any help. Who knows unless the seller is contacted.
Personally I think @eburtonlab spotted what the problem is up thread. I think their explanation is likely the answer.
Look, your choice. You handle a situation like this anyway you deem fit. It really does not matter to me one way or the other.
@north40sales wrote:Let us not be obtuse. I've been VERY clear in what I've said. The seller may be able to spot a problem and help the buyer resolve it. Maybe something went wrong with the Shipping calculator. Maybe they were charged a shipping fee when the listing was set up as Free Shipping [that has happened many times], maybe it will be something else the seller can spot or maybe the seller won't be of any help. Who knows unless the seller is contacted.
Personally I think @eburtonlab spotted what the problem is up thread. I think their explanation is likely the answer.
Look, your choice. You handle a situation like this anyway you deem fit. It really does not matter to me one way or the other.
I'm pretty sure that the OP has figured out the problem though as they have not come back to post any follow up to their question.
Can you imagine the confusion when a buyer contacts you looking for an explanation for an overcharge on their CC statement when its not even your item? Fun times.
Have a nice day 🙂
Yes I can as I've helped buyers through similar situations. It always has worked out fine and we were able to figure out the issues together. But then I do offer what some see as old school customer service. If a buyer asks me a question and if I can help, even if it does not have anything to do with our transaction together. I will happily try to assist them if I can. I wouldn't be the one confused, just the one trying to find the answer.
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