Myt332 From United Kingdom, joined Sep 2003, 9112 posts, RR: 74 Posted (7 years 10 months 3 weeks 4 days 21 hours ago) and read 1627 times:
Basically I have two credit cards one of which is from Captial One.
A few weeks ago when I received by monthly bill I owed approx £860. My limit is £1000 for this card. Anyway I phoned up Capital One to just check exactly how much I had available to spend as I was going away for the weekend. Rather shockingly I was told my balance was £0 and I had available to spend £1000.
Now I have no idea how the hell £860 got paid off but it did, I think. I do have a direct debit set up with my bank but not since the time of Shang have I had in excess of £400 in there at one time.
I've phoned the CC company back three times now and I get exactly the same thing told to me, my balance is £0.
So nobody has paid my bill off purposely yet it has been done. Is this too good to be true? Is there anything that can wipe this big grin off my face?
CaptOveur From , joined Dec 1969, posts, RR: Reply 1, posted (7 years 10 months 3 weeks 4 days 21 hours ago) and read 1625 times:
When banks make errors in your favor they are almost always found and usually very short lived.. ask about a payment history or something.. it may not tell you who made the big payment but it might give you a day... and that might be some sort of a clue.
Don't go on a spending spree or anything, they will catch this if it is an error.
2H4 From United States of America, joined Oct 2004, 8950 posts, RR: 62 Reply 2, posted (7 years 10 months 3 weeks 4 days 21 hours ago) and read 1592 times:
AIRLINERS.NET CREW HEAD DATABASE EDITOR
Check this story out. You'll be reading for at least 30 min, but it's well worth it:
On a whim, Patrick Combs deposited into his bank's ATM machine one of those "fake" checks you get in a junk mail letter, never expecting it to get cashed. But, to his surprise, they did cash it. That was only the beginning of his fascinating true story. Hear his amazing saga from beginning to end.
S12PPL From , joined Dec 1969, posts, RR: Reply 3, posted (7 years 10 months 3 weeks 4 days 21 hours ago) and read 1590 times:
The one time a bank made an error in my favor, I noticed it, and had them fix it within a few minutes. I went to make a deposit, knowing that even with that deposit my account shouldn't be much over a few hundred dollars. I got my recipt after the deposit and began walking out of the bank...but as I got out the door, I looked at my recipt and it showed my balance at a little over 20 grand! Obviously I knew I didn't have 20 grand, and I went back into the bank and they corrected they're error. Of course all I got was a smile, and a "thank-you"
Homer71 From United States of America, joined Jul 2001, 2209 posts, RR: 17 Reply 5, posted (7 years 10 months 3 weeks 4 days 21 hours ago) and read 1590 times:
Was your card co-signed by a guarantor (ie, parents)? If so, that person might have paid it off.
My credit card was paid off one month while in college and I suspected my dad paid it off (although he was mum about it) since he was the only one who had my credit card info (he cosigned for it)
"On spaceship earth there are no passengers...only crew."
Myt332 From United Kingdom, joined Sep 2003, 9112 posts, RR: 74 Reply 7, posted (7 years 10 months 3 weeks 4 days 20 hours ago) and read 1548 times:
24H, I just read the link and wow. That's unbelievable isn't it? Loopholes, love them.
Quoting Homer71 (Reply 5): Was your card co-signed by a guarantor (ie, parents)? If so, that person might have paid it off.
That's what I thought at first but they haven't paid anything off for me. That's the last thing my dad would do plus they don't have my CC number. I'm a little more secure.
As for S12PPL, then I admire your honesty but I don't think I shall do the same! I figure if they make the mistake then that is their issue.
Oh and AA777LR, sure thing bud. I actually suspect it might have been that crook Bob Geldof and his group of merry thugs trying to 'Make poverty history'. Students are in poverty right?
SATL382G From , joined Dec 1969, posts, RR: Reply 11, posted (7 years 10 months 3 weeks 4 days 18 hours ago) and read 1406 times:
Quoting 2H4 (Reply 2): Check this story out. You'll be reading for at least 30 min, but it's well worth it:
On a whim, Patrick Combs deposited into his bank's ATM machine one of those "fake" checks you get in a junk mail letter, never expecting it to get cashed. But, to his surprise, they did cash it. That was only the beginning of his fascinating true story. Hear his amazing saga from beginning to end.
Cashing checks that come as "junk mail" is a bad idea. You'll have to endorse them and that signature can be considered as consent to things that maybe you don't want. Like an overpriced loan for instance.....
BristolFlyer From United Kingdom, joined May 2004, 2135 posts, RR: 0 Reply 12, posted (7 years 10 months 3 weeks 4 days 17 hours ago) and read 1389 times:
It was me, I confess.
If you can return the favour and pay mine off next month I'd be obliged.
Signed,
BF (and 95% of a.net old enough/responsible enough to have a credit card)
Captaingomes From Canada, joined Feb 2001, 6413 posts, RR: 59 Reply 13, posted (7 years 10 months 3 weeks 4 days 16 hours ago) and read 1364 times:
ahhhhh banks, and their errors. I once had a couple grand accidentally deposited in my account but I also approached the bank about the error, and they were very efficient and cold in correcting it. But like another thread that's going on, I also had my account wiped clean once when my debit card was "reproduced". I found that out while attempting to purchase textbooks at school, and the transaction kept on declining. To my amusement, when I stopped at a bank machine to check the history, I see a series of $200 withdrawals until it was all gone, save a few bucks.
It took a while, but the bank replaced that money, although not very efficiently, but still very cold. I also had a warning put on my account, so whenever I wanted to do anything out of the ordinary, like buy mutual funds, a flag would come up as if I were some risky customer. GRRR.
"it's kind of like an Airbus, it's an engineering marvel, but there's no sense of passion" -- J. Clarkson re: Coxster
CurtisMan From Canada, joined Jun 2005, 996 posts, RR: 52 Reply 15, posted (7 years 10 months 3 weeks 4 days 16 hours ago) and read 1358 times:
I had a very interesting transaction on a credit card back in January. I had just over $2000 charged to my card for a purchase that was not mine. I rang up my bank as soon as I noticed the charge while online. The $2000 was reversed immediately, my card cancelled and my new credit card delivered in 2 days.
The interesting thing about the charge. It was for an Air France ticket. I thought - dang - a flight ticket purchased on my card and I don't even get to fly!
AC777LR From Canada, joined Apr 2006, 487 posts, RR: 47 Reply 16, posted (7 years 10 months 3 weeks 4 days 16 hours ago) and read 1347 times:
I had all my American Express cards canceled on me right in the middle of my Rome Vacation last year. I never told AMEX that I was traveling so they saw these foreign charges on my card and thought it was stolen. Pissed me off because I had to call them from my Italian cell long distance only to be put on hold for an hour. IN the end I never got them to Reinstated my cards, they sent new cards in the post when I got home.
Jetjack74 From United States of America, joined Jul 2003, 7335 posts, RR: 52 Reply 17, posted (7 years 10 months 3 weeks 4 days 15 hours ago) and read 1337 times:
Quoting Myt332 (Thread starter): So nobody has paid my bill off purposely yet it has been done. Is this too good to be true? Is there anything that can wipe this big grin off my face?
It was me Myt332,
I came to confess, I was the 2nd gunman on the grassy knoll.
FlyingTexan From , joined Dec 1969, posts, RR: Reply 18, posted (7 years 10 months 3 weeks 4 days 15 hours ago) and read 1318 times:
Someone deposited $17k into my checking account. I told the teller I usually don’t keep that sum in my checking account. She insisted I made the deposit a few previous days. Round and round we went in circles.
Me: ‘It’s not mine!’
Teller: “Yes it is.’
After a while, a manager was summonsed. Then another manager. Same conclusion.
The money was in my account 3 weeks.
This was about 7 or 8 years ago. In hindsight, I should have made a cash withdrawal of $17k.
Mighluss From Spain, joined Oct 2001, 928 posts, RR: 9 Reply 20, posted (7 years 10 months 3 weeks 4 days 9 hours ago) and read 1240 times:
Don't think is a Bank error.
Credit Cards balance are done (at least here, in Spain), on 21th. of each month, but the bank debit you last day of the month. So you have ten days with a clear balance, but still without having pay it. (may be is the time the bank gives you to figure out how will you pay it)
Diamond From United States of America, joined Apr 2004, 3279 posts, RR: 66 Reply 21, posted (7 years 10 months 3 weeks 4 days 9 hours ago) and read 1246 times:
SA7700 From South Africa, joined Dec 2003, 2916 posts, RR: 20 Reply 22, posted (7 years 10 months 3 weeks 1 day 21 hours ago) and read 1131 times:
AIRLINERS.NET CREW HEAD MODERATOR
An airline, which I'm obviously not going to divulge because somehow it will come back and bite me in the ass, made a muck-up with one of my bookings.
It was quite a considerable amount for this Y-class ticket (± USD2000.00) and due to an error they had to reissue my ticket. When I got back home from my trip, just before the past Christmas, the airline credited my Credit Card account for an amount of $2000!! I guess they felt I needed a Christmas gift.
And boy, do I love this airline!!!
Rgds
SA7700
When you are doing stuff that nobody has done before, there is no manual – Kevin McCloud
N1120A From United States of America, joined Dec 2003, 25852 posts, RR: 80 Reply 23, posted (7 years 10 months 3 weeks 1 day 21 hours ago) and read 1119 times:
Quoting AC777LR (Reply 16): I had all my American Express cards canceled on me right in the middle of my Rome Vacation last year. I never told AMEX that I was traveling so they saw these foreign charges on my card and thought it was stolen. Pissed me off because I had to call them from my Italian cell long distance only to be put on hold for an hour. IN the end I never got them to Reinstated my cards, they sent new cards in the post when I got home.
Well, you are supposed to call them about it. Also, you can call American Express collect from anywhere in the world if you have The Card
Mangeons les French fries, mais surtout pratiquons avec fierte le French kiss
Air2gxs From , joined Dec 1969, posts, RR: Reply 24, posted (7 years 10 months 3 weeks 1 day 2 hours ago) and read 1048 times:
A common technique used by identity thieves is to get credit in your name, pay off the balances as they accumulate in order to increase the amount of credit "you" can get and then really stick it to you. Not quite what you have going on, but I'd get a credit report and see if anything wierd is going on.
Quoting AC777LR (Reply 16): I had all my American Express cards canceled on me right in the middle of my Rome Vacation last year. I never told AMEX that I was traveling so they saw these foreign charges on my card and thought it was stolen. Pissed me off because I had to call them from my Italian cell long distance only to be put on hold for an hour. IN the end I never got them to Reinstated my cards, they sent new cards in the post when I got home.
Or you could have visited the AMEX office across the square from The Spanish Steps (at least it was there 2 or so years ago).
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