About a week ago I tried to do a purchase on the cashshop but something went wrong on my browser resulting in the money got reserved on my account but no confirmation went through on SE end.
It’s now been a week with no word on my ticket (I know EU support is swamped atm) but if I ask my bank to remove the reservation, is that same as doing a chargeback and get my account banned?
-
08-13-2021, 05:55 AMSotarisFailed purchase but still got amount reserved on bank account
-
08-13-2021, 06:00 AMValkyrie_Lenneth
The reservation will fall off eventually. Your bank chooses how long that is.
Its usually between 3-8 business days.
The money isn't actually gone until the transaction completes, which yours didn't. -
08-13-2021, 06:04 AMSotaris
Yeah Ok, I’m aware it eventually drop. Just sucks it currently keeps my credit card hostage to re-sub
-
08-13-2021, 06:06 AMValkyrie_LennethQuote:
Originally Posted by Sotaris
That's more of a bank issue than anything on SEs end. For whatever reason the stick to "tradition" instead of things being instant in the age of technology.
Mine usually process in less than 2 business days. -
08-13-2021, 06:39 AMJeeqbit
Something like this once happened to me and support told me that it would be returned to my account automatically and it was.
-
08-13-2021, 08:48 AMRitsukoSonoda
Merchants are always quick to blame a customer's bank any time there's a payment issue. Some even go as far as to lie to their customers by telling them their bank has to resolve the issue when they could easily fix a problem on their side. The situation you described is a payment system error on the merchant end that occurred after the payment system requested authorization from your bank to run the transaction and the bank approved it. In these cases most of the time the error causes the merchant system to stop processing the transaction on their side which will cause the authorization you're seeing to fall off on its own usually in about a week at the most. I wouldn't be concerned unless you see it fully post cause then it's either filing a dispute with your bank to get the funds back or getting the merchant to issue a refund. Generally the merchant issuing the refund in these cases is faster than the bank dispute in terms of how fast a customer gets their money back.
To be fair though a lot of these merchant excuses of saying the bank has to do everything isn't the actual merchant but the people in their service department who are most likely prioritizing their own internal metrics in their department or just simply don't feel like doing the work. -
08-13-2021, 11:17 AMLunalepsyOuch. Hope you get that fixed soon!Quote:
Originally Posted by Sotaris
-
08-13-2021, 04:23 PMSotaris
It seems these charged gets restored after 7 bank days in my bank so hopefully it should fall around mid next week, it's a bit of an inconvience to say the least.
-
08-13-2021, 08:09 PMJuunCount yourself lucky my bank doesnt drop charges until the end of the month.Quote:
Originally Posted by Sotaris
I once had a 400 euro reservation, at the start of the month, on it that didnt went through. Which made me unable to repurchase the product for an entire month. Because it maxed out my creditcard for another 25 days. -
08-13-2021, 08:15 PMSotarisoof! That really sucksQuote:
Originally Posted by Juun
-
08-13-2021, 10:10 PMDarkstrideIt's normal and happens with most transactions with any purchase anywhere. The bank places the hold on the funds immediately once they are notified that a transaction is taking place. If the transaction clears, then the funds are paid. If the transaction does not clear or is canceled, the bank will drop the hold. However, banks can take some time to release it. I've seen it happen the following day, and I've also seen it take a few days.Quote:
Originally Posted by Sotaris
The only place you can get a specific answer is by contacting your bank. A chargeback, however, would specifically be a dispute where your bank submits to SE a request for proof of the charge. That's not what you want to do. You're just asking the bank if they can release the hold because the purchase didn't finalize, which they may not even be able to do until it runs its course.
TLDR; SE has no control over your pending charge, that's the bank's deal. -
08-13-2021, 10:46 PMSotarisThis was established by first reply but I guess you didn't read the thread before commenting.Quote:
Originally Posted by Darkstride
I don't know where you located but in my country and i'm going to guess most countries in EU holds the charge for 5-10 bank business days. In my case up to 7.
With respect I was curious to contact my bank to remove the charge since that's possible with overcharged gas charges (in EU we're forced to be changed 150 euros and then it get adjusted to how much gas we buy, this system often fails so banks is allowed to remove the change and when the transaction get sent to the bank they charge you the correct amount) but was afraid if that would count as a chargeback and don't want my SE account banned, hence the reason for the thread creation.
I will just wait until mid next week when the charge should be restored and I can try again I guess. I don't think we can put blame on the bank in this case since it was on SE store where the connection broke/didnt get autherized after the money transaction was approved.