My husband and I signed up for a airline credit card for the purposes of saving money on baggage fees when we recently travelled to visit my family. To simplify our vacation spending, we put all of our expenses on that card while we were visiting.
On the day we were flying back, we received a notification from the credit card company that the card info had been stolen and there had been a significant purchase made that we did not authorize. We cancelled the card right away, and asked the credit card company about an authorized charge made shortly before the unauthorized one - would that still go through as normal? The credit card company assured us it would and not to worry, but that no further charges would be authorized and we would get a new number and card in the mail.
Fast forward a few weeks later and the charge that should have come through is still not on our credit card statement, though I have been waiting for it. We then get a notification about the “investigation” regarding the unauthorized purchase - and it’s the one we were told would go through just fine. Alarmed, I call the credit card company to try and fix it - after all, I don’t want to be accused of trying to get out of paying a legitimate charge! :eek: The customer service representative tells me to just call the vendor and explain what happened and have them run the charge again using the new number. So I do that, and the vendor says, “Well, it’s marked as paid, so you don’t owe us anything. If for some reason there is a problem, we will send you a bill.”
Now I’ve received a new letter that says “the investigation concluded you are not responsible for this charge” and that, apparently, we are never going to be expected to pay it. This really doesn’t sit right with me, but I’ve already called once and tried to set it right - to both the credit card company and the vendor, and basically wasn’t able to fix it. It’s not an insignificant amount of money (it was actually for our rental car while we were visiting, and they aren’t cheap!)
I have the money sitting in our account just in case we are ever asked to pay. What are our moral obligations? Do I try again to pay the credit card company (since they probably paid for it because of their identity theft policies?) Do I let it be and say, “Well, at least for all my hassle I didn’t have to pay for my rental car?”
(By the way, this whole thing does signal to me that I am never opening a credit card with this company again. I’ve had two with them and both numbers have been stolen within weeks of the accounts opening, while I’ve had the same debit card for years and never had a problem. Not exactly a stellar record on privacy, IMO.)