Bank issue or store issue?

tasha41 · Sep 1st, 2009, 12:31 PM

Last night I went to have photos printed at the instant photo center at a store here. The machine declined my debit card (I knew I had enough money though), so I went home and checked my online banking to see if something was wrong with my account or I had missed a bill or something.

No issues, my balance was still higher than my purchase too. But the machine took my money out of my account still!

Do I call the store to have the issue resolved?
Or call my bank?

jen1604 · Sep 1st, 2009, 13:22 PM

I would go into the store and also print off and take in your account statement if you can proving you have paid them and they should refund you the money xxxxxx

Kimboowee · Sep 1st, 2009, 13:28 PM

We had this happen, we rang the bank and they said its the stores fault as it wasnt a direct debit...We took our statment down and got our money back there and then

Sweetie · Sep 7th, 2009, 01:24 AM

take the reciept showing your payment was declined to your bank (they will already be able to see your statement) and start there. If you bank with TD their systems can be funny sometimes

tasha41 · Sep 7th, 2009, 01:57 AM

I'm with a credit union. I tossed the receipt (silly, I'll never do that again!!).. I had to go into the bank and they had to put a trace on it and I had to sign forms and give a statement

Sep 1st, 2009, 12:31 PM	#1
tasha41 Mum (Mom) BnB Spammer Elite Join Date: Jul 2008 Location: Hamilton, Canada Posts: 23,921	Bank issue or store issue? Last night I went to have photos printed at the instant photo center at a store here. The machine declined my debit card (I knew I had enough money though), so I went home and checked my online banking to see if something was wrong with my account or I had missed a bill or something. No issues, my balance was still higher than my purchase too. But the machine took my money out of my account still! Do I call the store to have the issue resolved? Or call my bank?

Status: Offline

Sep 1st, 2009, 13:22 PM	#2
jen1604 Mum (Mom) BnB Addict Join Date: Apr 2008 Location: Devon Posts: 7,503	I would go into the store and also print off and take in your account statement if you can proving you have paid them and they should refund you the money xxxxxx

Status: Offline

Sep 1st, 2009, 13:28 PM	#3
Kimboowee Mum (Mom) BnB Addict Join Date: Oct 2008 Location: Derbyshire Posts: 9,445	We had this happen, we rang the bank and they said its the stores fault as it wasnt a direct debit...We took our statment down and got our money back there and then

Status: Offline

Sep 7th, 2009, 01:24 AM	#4
Sweetie Pregnant (Expecting) BnB Addict Join Date: Dec 2007 Location: Edmonton, AB Posts: 4,674	take the reciept showing your payment was declined to your bank (they will already be able to see your statement) and start there. If you bank with TD their systems can be funny sometimes

Status: Offline

Sep 7th, 2009, 01:57 AM	#5
tasha41 Mum (Mom) BnB Spammer Elite Join Date: Jul 2008 Location: Hamilton, Canada Posts: 23,921	I'm with a credit union. I tossed the receipt (silly, I'll never do that again!!).. I had to go into the bank and they had to put a trace on it and I had to sign forms and give a statement

Status: Offline

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