Hello – I am hoping someone here can help.
On 10 June I made a payment (in US Dollars) using my Lloyds Bank American Express credit card (no FX charge using this card) to a payment company as a deposit for a holiday in 2019. I have received email confirmation from the payment company that the payment has been received (and the travel company has confirmed the same).
When the transaction was processed, the available credit on the card was deducted by the appropriate amount as you would expect. However, at no stage has the amount been taken from my card, nor has the payment company ever appeared as a pending payee. As of this week, the credit limit has been reinstated automatically. Lloyds Bank have no record of the payment. I have checked with the merchant and the card company and they are adamant that they have received the payment, and that the delay is at my/Lloyds’ end. From my basic understanding it looks like a payment was authorised, but never taken, and the merchant/payment company systems are incorrectly confirming receipt.
Has anyone else experienced this? My girlfriend has experienced exactly the same issue. We basically want our card statements to tally and not to be landed with a big bill at some unknown date in the future!
Any help is gratefully received.