Debit from my bank account that I don’t know the nature of
Summary: baptpio_0 expresses concerns about unexplained debits on their bank account following several orders placed. The amounts debited do not match any known transactions, and the bank initially described some of them as "fictional transactions." baptpio_0 has contacted both the bank and the sellers to clarify the situation. lingma85 suggests waiting 48 hours for the situation to become clearer, particularly to distinguish real transactions from fictitious ones. baptpio_0 hopes for a response from eBay and notes that the upcoming transactions have disappeared, totaling 480 euros in debits.
Good evening,
I’m writing because I’ve had an issue for the past few days. Let me explain:
- I placed an order for 58.73 euros on March 7 (which I see as shipped and I can see the transaction on my account)
- I placed an order for 79.87 euros on March 12 ( which I see as pending on my account and not shipped)
- I placed an order for 46.02 euros on March 12 ( split in 2: 25.74 euros and 18.35 euros , which I see as pending on my account and it is shipped )
Now the problem:
I see on my statement a debit of: 57.01 euros on 03/11, two debits of 28.76 euros on 03/12, a debit of 56.38 euros and one of 56.63 euros on 03/12.
I see in " pending ":
A debit of 46.02 euros , 79.87 euros , 39.36 euros for 03/12
A debit of 26.87 euros , 26.73 euros , 27.99 euros , 27.38 euros and one of 38.28 euros
I have a BNP visa Origin card. It’s a card that can create fictitious transactions because it requires systematic authorization and automatic checking of the account balance by the bank before each payment and/or withdrawal. I contacted my bank yesterday , they told me that these were fictitious transactions and that they would not appear on my statement. Except that today that is the case for some of them. I contacted ebay this morning , they told me to send them proof of the debits , which I did. I also contacted my bank again , and they told me to block my card and report these debits.
So I’m currently waiting. I sent a message to both sellers but they haven’t replied yet.
I have the Authenticator app so normally my account is safe.
What do you think ? Were my bank details stolen ? Will I be refunded ? Payment error ( double plaiement ) ?
Thank you
baptpio_0
OP2 years agoHello, I think so too, especially hoping haha.
There’s been a change this morning, I no longer have any upcoming transactions, they’re all on my statement. I have a total debit of 480 euros.... Never big amounts, 50 euros, 20 euros. I’ll see if eBay replies to my email from yesterday today.
lingma85
·2 years agoGood evening @baptpio_0
It seems there’s some "confusion" between the transactions already executed and therefore with their value date.... and the upcoming debits...
Personally, I’d wait 48H for everything to calm down before doing my additions/subtractions... and to see more clearly what’s going wrong... between the actual transactions and the phantom ones... and thus determine whether you were ripped off or not.
Kind regards