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Originally Posted by Gingergirlsmom  First, let me say I'm glad your getting to keep your Maddie. TG for your Angel!
Second, it sounds like the store clerk AUTHORIZED your check (card) for the amount of the sale but neglected to charge it to your card. An authorization only places a hold on the money for about 24 hours. Hotels and gas stations usually authorize your card first (before you use their room or pump their gas) and then, upon check out, or filling your tank they BILL the actual amount. That sounds like employee error to me and I'm surprised you'd be liable. |
After reading all of these posts, this (above) sounds exactly what has happend. We have a business and use credit..The authorization she had to start with, was accurate in the begining, and then she more than likely didn't follow through with A.) not doing a "close out" on her machine or B.)for some reason held on to the check until later, a month or so, and you used the card elsewhere and by the time she did run the check, the card didn't have that much room left for that amt. of $$ You can obtain authorization for the checks or card accts. themselves, but it does only hold that authorization for a certain amount of time and unless the bus. owner "closes out" the day or weeks charges/credits, the lending bank of the credit card holder never follows through with the transaction, because it was never completed...its kind of complicated, but bus. owners know how its supposed to go...well....most of them
So the pet store owner could have held on to that check and never closed out the machine, maybe remembered or found the check misplaced for a month or more, runs it again, at that time the card is maxed out and she's got a cc check thats on an acct. thats NSF...That is so sad for you Alycia....THATS not your fault....Its the store owners fault! They do know within 3-5 days if the bank that they use for their CC transactions has deposited all the CC charges they have made throughout the day or week though..so it only makes sense that they sat on this check/transaction
When I do a days business, and I close out my machine, I know within 3 business days if my money is in the bank or not. I may have authorization on each transaction I did, and the customer has a receipt for it, but if I don't close out my machine to finalize my days or weeks charges, all I got is a batch of approved money, to be mine and never get it..does that make sense?????? Look on the "sherrifs" copy of the check or anywhere but your check, and see if you can see when the pet store attempted to run the transaction...I bet you'll find it was ALOT later than the day that you actually got Maddie.