In late September, I made a small purchase at a convenience store that was charged to my account two times. I showed my bank the error and was credited back the double charge. I moved mid-October and immediately cancelled my debit card and left about $.50 in my checking account. In November the convenience store ran the charge again and my bank paid it. That charge made my account overdrawn and now I have a $75 fee to pay with $7 being added daily. I am currently unemployed and have no way to pay this fee. How was this charged authorized, since the card was cancelled? What can I do to get rid of this fee?
Because the duplicate charge was the subject of an open adjustment transaction, the merchant was able to resubmit it, even though you had canceled the card. Your bank should be able to prove conclusively from authorization records that only one charge should have posted, so you should contact the bank again and dispute the most recent posting.
Assuming that the bank agrees with your claim that the transaction is still a duplicate and should be reversed, you will also be entitled to a refund of all the fees triggered by the extra posting. When you contact the bank, make sure you immediately send them a written confirmation of your claim to ensure you'll get provisional credit to your old account while they sort things out. Once the matter is resolved, do whatever you have to do to get the account closed out once and for all.
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Because the duplicate charge was the subject of an open adjustment transaction, the merchant was able to resubmit it, even though you had canceled the card. Your bank should be able to prove conclusively from authorization records that only one charge should have posted, so you should contact the bank again and dispute the most recent posting.