Credited money for 2 XPS instead of 1

I am having a problem.the sales person had confirmed with me to take money for 1 XPS system from my credit card, but somehow amount for 2 XPS have been credited on my card. I have tried calling customer care but they transfer me to the same sales person everytime and he is not at his desk right now. What am I suppose to do?? Is there any chance that they will be able to gobble my money, which I didnt approve?? Also, I have lost some money from my account because after the transaction for 2XPS my credit limit was crossed, and my bank is charging me for that...who is going to pay that??

Hoping for a prompt reply.

MnVn

 

omg, that sucks. You're going to have a hard time getting through that :\ I think your best bet would be to try and go through the business customer service. They're usually a bit better, but not much.

 

What is business customer service?? I havent heard of any such thing in India...Plus, I dont think this is going to be tough, coz they are the ones who made a mistake

 

If DELL wont reverse the 2nd charge, you can always dispute the transaction with your credit card company.

 

Did you purchase and reconfigure by chance?

 

call your credit card company and tell them you want to dispute those charges. Do that now before you talk to tell. Tell them you payed for one system and that you were charged twice. Do it before you call dell.

 

I configured 2-3 times before I purchased the system, but in the authorization mail which dell sends, I chose only 1 system and havent reconfigured that. The credit card company says that only dell will be able to reverse the transaction.

 

This is the order I confirmed:

 

I'd call the CC company again and tell them it was an unauthorized transaction, therefore you are disputing it.

 

Yep, did that right now. They said that Dell hasnt realized it yet, so it cant be disputed. The merchant has max of 21 days to realize the payment, if he doesnt do that, the transaction is automatically canceled.

So, technically Dell will have to realize that transaction before I am able to call it an unauthorized transaction.

This is what I was told, I dont know much about CCs. They told me the money has been blocked but the transaction hasnt been realized. Does anybody know what that means??

MnVn

PS: thanks all for the quick/live! responses

 

AFAIK, 'The money has been blocked but transaction hasn't been realized' statement coming out of a CC comp. in India is a way of saying your money is waiting there for Dell to take anytime they want!! This is the way these CC comp' in India work and its a pain some times. But be very careful, the CC comp usually don't care for whats blocked there. They simply proceed with the green light once Dell wants to realize it.. Be very very strong with the CC company that the billing has been duplicated and it was not the way it should be. Ask them to lock the second payment immediately (but not lock the card!). Else you might go beyond the limit the CC allows you to use as well as paying Dell twice (assuming they are dumb enough not to see its a duplicate/double billing). Btw, wonder which CC comp it is!!! Citibank and HSBC have pretty good customer service there (AFAIK) and I have dealt with them before, with less headache'. Good luck.

 

You mean debited, not credited.

I thought they refunded you for the amount of 2 XPS's for a second .

Im sure it will be cleared up, just a matter of time.

 

Yes exactly - just a matter of time. Make sure that you emphasize to your credit card company that it is indeed a duplicate charge. Take down the name of the person you speak with and ask them to annotate it to the notes on your account. See if they will issue you any sort of reference number. Since you have been very clear with the purchase authorization form that you posted, I am pretty sure that Dell does not have legal grounds to cover you for a second system. If you get nowhere with either your CC company or Dell within 21 days, consult a lawyer because this can be construed as fraud. Knowing Dell, it was probably just a mistake and it will be automatically corrected.

As far as the held amount goes, basically when you authorized Dell to charge your credit card for your system, Dell would have gone ahead and created a "temporary" charge which holds the value of the system from your available funds. They will "formally" remove those funds (i.e. realization of the charge) when your system ships. If they only ship one system, they will only realize one charge. The other will get automatically cancelled.

However, it is always good to be on the safe side, and provided you document these concerns with both Dell and the CC company, you should be fine should any problems arise.

 

Okay...the problem hasnt been solved yet...but i have documented that with both the companies...and I am hoping just like u all said that it is only a matter of time...it does get a lil frustrating sometyms since I didnt do anything y shud I have this headache

 

This happened to me as well, when I ordered a Dell laptop using my Citibank card. Just call the bank and tell them that Dell has charged you twice, and they will correct it instantly. No need to panic.

 

I didnt get so lucky

called up the bank many times and told them that but hasnt worked...now I have contacted Dell and given them the Card Number...they are going to go ahead and talk to Citibakn about it...Actually I have nothing to lose coz they cant take my money plus I am going to claim compensation due to my losses...so may be a free processor upgrade [ ]

MnVn

 

What happend to the days where the CC company had 30 days to resolve and finalize your bill? Are you viewing this online? I mean nothing is final until you get your statement and you sure don't deserve any compensation if you're worrying about what your seeing online.

 

they usually authorize a charge, then when they actually ship they bill another. at least that is what i had happen 4 or 5 times of ordered from the business end.. the first charge always fell off after a while

 

Many of my Indian colleagues did not possess any Indian Credit Cards when in India. Even those who had it, got rid of it as soon as possible. Their preferred payment method was cash (about 90% of the time) and where cash was not accepted they resorted to cheques and debit cards.

In India, there are no credit bureaus or credit score systems and each credit card company manages its own database. Therefore, even if you default at one company, you can easily get a card from another company. A surcharge is charged on almost all credit card purchases making it expensive to buy anything via credit card.

Further, credit card frauds are rampant and the credit card companies do nothing about it. In case of a fradulent usage, the credit card owner has to first pay up the outstanding amount and then file a dispute. The collection agency is usually manned by goons who collect dues either by damaging your belongings/property or threatening/beating up you and your family.

There are exceptions but for most it is not worth the hassle.

 

The problem is that the money has been blocked too and consequently my limit has been reached...this caused one of my EMI payments to be delayed....thats y i am eligible for compensation

MnVn