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Charges disappeared after pending for days

ddyourself 458 45 December 3, 2015 at 01:06 AM
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I spent some money at local ToysRUs, splitting a transaction into a few AMEX payments. Everything was fine at the time of checkout, I saw the temporary charges, got the Amex offer emails.
But a few days later, around 1/3 of those charges disappeared, no longer pending and not charged. Up to date, it is almost 3 weeks, there is no sign that I got charged again. I guess it must be some system glitch. Do you guys know how long does it take for the merchant to reconcile their data and charge again?

Earlier, I had a Sabon charge disappeared for two months and then "conveniently" charged right after the amex checkout offer expires, thus I didn't get credit for that transaction. I mean, I can argue with Amex, but I'd rather not.

If I go back to TRU, will they be able to push these transactions through faster? Apparently I don't want to get double charged either.

Suggestions?

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Pending charges can be authorizations for the charge by the CC company but the final amount has not been known\authorized or the bank has not processed the charge yet. The former can happen if the final amount is not known (such as a hotel stay or car rental). Once the charge is processed by the bank, the pending charge should go away. I believe they will also go away after so many days automatically if no further action is taken by the bank\merchant.

As to why your charges are not showing...it could be they are not processed fully yet by the bank. Or it could be that the split transactions got screwed up by the merchant somehow and are lost in IT hell. As to what to do about it, normally I would say just let it be as they will eventually catch up with it in all likelihood and it is not your problem if they take a month or two to charge you (or fail to charge you at all lol). If you are worried about Amex offers expiring before that happens, I suppose you could call Amex and log a report of the transaction so that you can claim the offer if something does not show up for awhile but your Amex offer email pretty much does that already. Also, if you read their offer legal-eze, they sort of absolve themselves of this sort of issue and leave the responsibility to you and\or the merchant (and you really can not blame them for that as a merchant's processing issues\book keeping really are not their problem). So you may simple be SOL or just have to wait and see what happens. You could call the vendor, but in all likelihood that is going to do little or make even more of a mess of it as you might end up being double charged as the same inept people dealing with the charging may not be talking to the people trying to fix it and you end up getting over charged instead.

My 2 cents.
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Last edited by YanksIn2009 December 3, 2015 at 02:16 AM
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