Timeline for Refund for mistaken credit card charge is less than initial charge, apparently due to exchange rates and/or fees
Current License: CC BY-SA 4.0
19 events
| when toggle format | what | by | license | comment | |
|---|---|---|---|---|---|
| Jan 16, 2023 at 18:05 | comment | added | Barmar | @littleadv True, asking for a refund from the merchant is the first step | |
| Jan 16, 2023 at 17:37 | comment | added | littleadv | @Barmar for sure, but that only works if the merchant is not cooperating, which is not the case here. | |
| Jan 16, 2023 at 16:02 | comment | added | Barmar | @littleadv Cutting the card makes no sense, but often the process of dealing with a fraudulent charge is to register the dispute with the credit card company/bank. They then contact the vendor to resolve it. This is one of the benefits of paying by credit card. | |
| Jan 15, 2023 at 18:46 | comment | added | littleadv | @Joshua The OP claims they were wrongly charged, but were they? We don't know. It's the same as the claim from another commenter that "the hotel admitted their mistake" - they didn't admit their mistake, and the claim that they were wrongfully charged is OP's opinion only, not a statement of a fact. The hotel agreed to refund the charge and they did, what exactly cutting your credit card would achieve? That said, in the US just refusing paying a credit card bill will only land you in a ruined credit score situation and all the rest of your cards cancelled. No jury needed. | |
| Jan 15, 2023 at 15:50 | comment | added | Joshua | @littleadv: OP began with "A hotel wrongly charged my credit card" ; wrong charges are to be unwound not refunded. | |
| Jan 15, 2023 at 4:15 | comment | added | littleadv | @Joshua this makes no sense at all. How would that even work? The op is talking about a refund, not a charge | |
| Jan 15, 2023 at 2:02 | comment | added | Joshua | Hmmm what's wrong with EU law? In US law I could cut my card and tell the bank if they want the money for that bad charge to bring a court case to which I will demand a jury. | |
| Jan 15, 2023 at 0:10 | comment | added | littleadv | @Barmar no, they took the action that suggest potential mitigation of a bad review. | |
| Jan 14, 2023 at 23:03 | comment | added | Barmar | @littleadv But they didn't blame the customer or the bank -- they took the action that suggests taking responsibility for the error. | |
| Jan 14, 2023 at 19:54 | comment | added | littleadv | @Barmar We don't actually know that, we only know that they refunded the full amount. Which is what they promised to do. It's not their fault that the OP is French. From the OP's initial statement (and from my experience in these situations), the hotel didn't actually admit any mistake. | |
| Jan 14, 2023 at 19:19 | comment | added | Barmar | @littleadv In the OP the hotel admitted to the charging error. | |
| Jan 14, 2023 at 19:10 | comment | added | littleadv | @Barmar the hotel can blame the customer, both of them can blame the banks, in the end it doesn't matter - T&C of the credit card and the hotel booking is what matters. | |
| Jan 14, 2023 at 17:55 | comment | added | Barmar | The hotel maid, clerk, etc. are all agents of the hotel. As far as the customer is concerned, it's just one "hotel" entity. If the hotel chooses to dock (or worse) the pay of the employee with ultimate responsibility, that's their problem, but it shouldn't affect who the customer gets reimbursement from. | |
| Jan 14, 2023 at 12:53 | comment | added | pipe | "the hotel didn't gain anything", they had the money, which would have collected interest or offered other investment opportunities. | |
| Jan 14, 2023 at 8:23 | comment | added | littleadv | @JeopardyTempest "A hotel wrongly charged my credit card" should be read as "The hotel charged my credit card for incidentals as agreed, and I'm now claiming that the incidentals never happened". Which is different from the meaning you're attributing to that claim, and is more factually correct. We all have been charged "wrongly" one way or another by hotels and airlines, but in the end we all know that this is a disagreement and not a statement of fact. | |
| Jan 14, 2023 at 8:18 | comment | added | JeopardyTempest | "A hotel wrongly charged my credit card" makes it quite clear from the question that the fault is with the hotel (no one can know what reality is, or extend it to other situations, but as far as this question is written, we're given that information to start from...) | |
| Jan 14, 2023 at 7:18 | comment | added | littleadv | @JeopardyTempest what should be and what is are very different things. Who made the mistake? hard to tell. Maybe it was the OP who forgot that they actually took some cookie and the hotel decided to refund instead of arguing. Maybe it was the hotel maid who doesn't know how to count. Maybe the reception clerk who attributed the charge to the wrong room. We don't know. What is though is that the charge was reversed and the hotel paid back the exact amount they promised. The OP has no claim against the hotel, the exchange rate is not the hotel's problem. | |
| Jan 14, 2023 at 7:04 | comment | added | JeopardyTempest | In a case like this, generally the one to "be it" should be the one who made the mistake? OP also "had the least power" when they found the initial mistake, but the stronger parties nonetheless were pushed to fix it - likely due to mixes of desires to do right, for a positive image, and/or the theoretical danger of legal action. I'd think all those motivations remain. Though I agree when it's such a small amount, there tends to be much less motivation, and so OP may end up having to eat it. But certainly the hotel is the one who should. Do I have the right yes? Your answer sidesteps the Q | |
| Jan 13, 2023 at 20:01 | history | answered | littleadv | CC BY-SA 4.0 |