全 62 件のコメント

[–]swalsh411Quality Contributor 21ポイント22ポイント  (29子コメント)

It's been less than 1 business/banking day. You have to give this a little more time.

[–]slyabney 7ポイント8ポイント  (15子コメント)

Yeah, no one can do anything until pending charges are either posted or fall off since they're just placeholders.

[–]bmr32809[S] -3ポイント-2ポイント  (12子コメント)

If you had no access to funds for 5 business days due to the negligence of a vendor and the automatic charges they ran undisclosed against your account, would it not be reasonable to assume the negligence involved in this transaction would create liability or financial impact for the vendor?

Wouldn't a reasonable person argue that they could merely process a "pending refund credit" for these transactions to reverse the impact on my available funds?

[–]swalsh411Quality Contributor 12ポイント13ポイント  (5子コメント)

If you had no access to funds for 5 business days

You don't have an ATM card? And this isn't no access to your funds. This is no ability to make additional purchases on credit. Any money you have in a bank account is still available to you.

Wouldn't a reasonable person argue that they could merely process a "pending refund credit" for these transactions to reverse the impact on my available funds?

A reasonable person can argue all sorts of things about a system they don't understand.

This is simply how credit cards work. You have to give it a little more time. I'm not saying it's fair or doesn't suck but there's nothing you can do about it.

[–]drafterman 5ポイント6ポイント  (10子コメント)

Wait it out.

[–]bmr32809[S] -2ポイント-1ポイント  (9子コメント)

How would you wait out the next 5 days if someone took 28k from you and you needed access to those funds? Keep in mind they took the funds based on an error on there end of the transaction.

[–]swalsh411Quality Contributor 14ポイント15ポイント  (6子コメント)

There is a world of difference between taking money from somebody and putting a temporary hold on their ability to make additional purchases on credit.

[–]bmr32809[S] -3ポイント-2ポイント  (5子コメント)

Tell that to the person who you are temporarily holding the funds from. It sure as hell doesn't present any differently when I go to make a purchase during that 5 business day period. How could you possibly argue this rationale?

And if it isn't any different, feel free to wire me the funds temporarily from your personal account. I'm pretty sure you will sing a different tune if this is your mess to deal with.

[–]swalsh411Quality Contributor 16ポイント17ポイント  (4子コメント)

Nobody is temporarily holding YOUR funds. They are temporarily holding THE BANKS money. YOUR funds are safely in your bank account and you can still get to them. You just can't make additional purchases on credit until the authorization holds clear off.

[–]bmr32809[S] -3ポイント-2ポイント  (3子コメント)

Again, the word funds should be read as capital. What legal principle discerns between the sources of funding/capital that are within my control and my rights to them vs the claims processed against those by 3rd parties? May I place an unauthorized temporary charge against your home's equity line of credit without any recourse?

[–]swalsh411Quality Contributor 9ポイント10ポイント  (0子コメント)

The authorization is being removed. You have to give it a few days. You don't have any material here for a lawsuit against either Orbitz or the credit card bank. You can certainly go meet with an attorney if you feel otherwise.

[–]FyrestarOmega 9ポイント10ポイント  (0子コメント)

capital - I don't think this word means what you think it means.

[–]tophatnbowtie 4ポイント5ポイント  (0子コメント)

I mentioned it elsewhere but I think it bears repeating here. Cash funds, capital and credit are not all the same thing. To use your car analogy from elsewhere in the thread, you can think of it like this:

You own a car, I impound it by mistake and tell you I'll get it back to you in 5-7 days. This causes you lost wages or income because your profession requires use of a car. You might be able to sue me. - This is somewhat like the bank debiting 28,000 from your savings or checking account in error and telling you it will be back in 5-7 days.

I'm your friend and I always let you borrow my car on Tuesdays. This Tuesday, however, I tell you something's come up and I can't let you borrow it today, but if you give me a few days I can let you borrow it again. - This is like what happened to you. Your friend wasn't contractually obligated to let you use the car, and therefore you can't litigate over it.

If you can find a line in your credit agreement guaranteeing that credit will be available for your use during the time it takes for fraudulent or incorrect transactions to be reversed then maybe you've got something. I doubt you'll find something, but you can have a look for your own peace of mind at the very least.

[–]DayMorrow 2ポイント3ポイント  (0子コメント)

You... you know the money on your credit card isn't actually yours, right?

[–]jeffwinger_esqQuality Contributor 5ポイント6ポイント  (4子コメント)

What are your damages?

[–]shefallsup 10ポイント11ポイント  (2子コメント)

His money is being detained!

[–]RubyPorto 1ポイント2ポイント  (0子コメント)

He's not borrowing money, he's engaging it to travel

[–]AgonizingFury 1ポイント2ポイント  (0子コメント)

"Is ordering plane tickets a crime?!?" "You can only detain my money if you think it's committed (or is about to commit) a crime"

[–]theletterqwertyQuality Contributor 2ポイント3ポイント  (1子コメント)

I'd expect my CC provider to be astute enough to recognize this activity for what it was, disallow it and phone me no matter the time or day of the week. You may wanna ask yours about that when you talk to them.

She also stated that this was the largest amount for this issue that she had ever seen, and had worked there for a long time.

That's a good sign. The company is likely trying to fix your issue but it's not going to happen instantly. Reconciling these issues with CC providers can take days.

[–]bmr32809[S] 0ポイント1ポイント  (0子コメント)

Agreed - fraud alert failed here

[–]NateGrey 4ポイント5ポイント  (2子コメント)

Wow, all this stress over pending transactions.

You really need this vacation. Calm down and wait it out.

[–]bmr32809[S] 0ポイント1ポイント  (0子コメント)

I appreciate your advice on being calm, however I suppose I'm having this reaction as the guy who's daily card had been shut down for the next 5 days. I'm hoping this really doesn't happen to anyone else as its really a fucked up move by Orbitz

[–]bmr32809[S] 0ポイント1ポイント  (0子コメント)

Thanks for the "bestof" tip of the hat as well!

[–]IDontFuckingThinkSo 3ポイント4ポイント  (3子コメント)

We then received an error message from Orbitz stating something to the effect of "your transaction was unable to be processed at this time - please try again later". After rechecking all of the detail and dealing with this frustration a few more times

I think I found the reason that there are so many pending transactions.

My guess is the pending transactions will fall off of your card in a few days. You may or may not have been successful in actually booking the tickets, but if you never received a confirmation email, then you probably didn't.

[–]bmr32809[S] 1ポイント2ポイント  (2子コメント)

That's what we thought as well, however the customer service manager indicated that in certain cases their system will continue to run the transaction until it receives confirmation from the third party airline until it receives confirmation that the reservation was booked.

In additionn our bank also indicated that the authorizations appeared to come through every 2 minutes, and ended when the limit was approached.

[–]holyfuckbuckets 2ポイント3ポイント  (1子コメント)

This is why websites like Orbitz advise you not to refresh your browser during the transaction portion - each time you refresh it puts your information through as if it were the first time and it can charge you again and again.

"Try again later" means later, as in several hours later or a day later. It definitely doesn't mean "try again 12 times right now!"

[–]bmr32809[S] 0ポイント1ポイント  (0子コメント)

Although that may have occurred a couple times after checking for the correct credit card input, Orbitz themselves said that their system automatically keeps trying until receiving confirmation from the airline. I believe much of these were from that feature of their system.

[–]s-dubya 2ポイント3ポイント  (1子コメント)

What did the bank say when you called them?

Edit: you do realize banks are typically closed on weekends, so nothing was going to happen between Saturday and today.

[–]bmr32809[S] 1ポイント2ポイント  (0子コメント)

They basically said wait it out and then dispute the charges

[–]nimble2 2ポイント3ポイント  (0子コメント)

You have to wait until the charges move from pending to posted, or disappear. It may take up to a week...

[–]DayMorrow 1ポイント2ポイント  (3子コメント)

Did you put quotes around the employees' names because those are pseudonyms you made up to protect their privacy, or because you're one of those nutjobs who thinks every call center employee is lying about their name?

[–]bmr32809[S] -1ポイント0ポイント  (2子コメント)

The 2nd one "DayMorrow" (if that is your real name...)

Actually, I didn't believe the girl who said her name was Harold.

[–]DayMorrow 0ポイント1ポイント  (1子コメント)

Yes, you caught me, my Reddit handle is not my real name. Such a scandal, I know.

Sorry you've never met a guy with a high-pitched voice - I worked with them all the time when I worked in a call center where everyone was required to use their own names. Get a life.

[–]bmr32809[S] 0ポイント1ポイント  (0子コメント)

I should have put an /s at the end of my post - sorry if the joking tone wasn't clear and you really thought I was genuinely accusing you of DayMorrow not being your real name.

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