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Home >> Lending >> Credit Cards
Payments Received, but Not Deducted from Account
On November 4, I used my bank debit card and made a payment at my dentist's office for $120, but they charged it as a credit. The next day I looked at my online account and noticed that it went through right away and was deducted. About four days later, I looked at my account again and I noticed that I have an extra $120. My dentist's payment was deleted completely. I waited a couple of days and its the same, so I called my dentist's office to make sure they got the payment and they said that it went through OK and that they have the payment.
Then I called my bank to see what's going on, and they told me that they didm't even see the payment for the dentist's office. I told them the situation, and they said that it must have been a mistake on the dentist's side. I called the dentist again and they said they had the payment, so I thought that it would be taken out soon. So far nothing has happened, and it will be a month on Dec 4th. I still have the money and nothing was ever taken out of my account.
On 11/25, I made a payment online to my car insurance company in the amount of $430. I looked the next day and saw that it was taken out of my account. I looked at my account today, and I have an extra $430! I called the insurance company and they said they got the payment and that I'm paid up in full.
Once again, I called the bank and they said they don't see the transaction at all. What should I do? How long does the bank have to notice this error and take the money, because I don't want two months going by and find myself short $430 or the $120 or all of it all of a sudden. Any advice would help.
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 This is certainly bizarre activity, and it probably has nothing to do with the merchants. You should talk to the bank about it, and don't settle for anything less than a complete explanation. As you have said, you don't want to have charges creep up on you weeks from now! If you can't get a reasonable explanation at the bank, ask to discuss the problem with a supervisor.
Published on BankingQuestions.com 12/08/09
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