I got into an unpleasant situation - the amount for the purchase was written off, I did not receive the goods.

I bought 5W30 motor oil at a gas station (a few minutes before midnight) and an hour later I handed it over an unopened jar - it didn’t fit, the car need 5W40. I received the money for the card and left the gas station.

The next day, about 18 hours there was a write-off from the card for the same amount of 2000 rubles, when I was at home after work.

No money, no goods. In addition, the account of the credit card with which the write-off took place went into debt. 🤑

I turned to my bank through the application chat. There the appeal was registered, but they need a purchase receipt, which needs to be scanned and sent to the email address complaints@ of my bank.

There is no reciept, I gave paper check back to the cashier when returning the goods.

Also, for the first time faced the "rollback of the transaction" with the re -operation of the operation.

That is "Write-off - return - debit".

It could be worse: write-off - write-off.

A repeated write-off of money in my case occurred on a day after day_.

It is good that only 2000 rubles, and if abroad 5 times for 10,000 rubles. Will they write off the "Error" card?

Since the check (or its electronic copy) has not been preserved, the negative result of the consideration of my appeal is very possible:

• In the store, at the casso of gazoline station, they see a purchase and return (the shift chief kindly provided a printout from the base - two extracts of operations on the date of purchase and return), but not a second write-off (!).

• The bank says that write-offs for the date, when the purchase was made, do not see.

• But the money is written off the next day. On their own? 🧐

• In my personal account it is reflected - as if I had spent 2000 on the same gas station again, but the next day. While at home. 😁

Thus, the non-cash operation can be repeated without your knowledge, reducing the balance on the map, driving into overdraft, duty. 😱

On the Internet I found many examples that when paying on the card, repeated (most often double) debiting for one purchase occurred.

References to the same cases with re -writing off money from a card in other people:

www.banki.ru/blog/.../artm_eyskOV
https://life.ru/p/1308997

Offtopic:

In case of non-cash payment or transacation, you need to store the whole story, with photographs. In this case, when contacting the bank, a picture or scan of a check would help. Any lawyer will tell that only a document, fiscal check, is yours Proof of the purchase of goods from this seller at a specific date and time.

Example 2: Toll road M-11 "Neva"

The story happened a long time ago. I drove on this new paid route in the evening in essence out of curiosity. Since there are no turns after Kolpino town, he went far, beyond Tosno towards the Novgorod region, where there are no settlements around, only swamps, almost to the border of the regions. I saw a steep (technical?) U-turn under the highway and returned to the payment point, where he drove to the M-11.

Then he discovered that 1000 rubles had written off from the transponder "Highway of the Northern Capital" (toll road ZSD), as if I were driving from Veliky Novgorod.

The system did not recognize my maneuver. 😏

He turned to the operator through the Personal Account of the toll road company ZSD. In response, they write that you need to provide information:

1. Car brand, state license plate
2. Date and time of arrival and address of the payment point
3. Date and time of departure and address of the payment point
4. Description of the route
5. Scanned check

I described the first points, date, time, route, but there was no check. The money was not returned to me.

Here are the descriptions of other drivers who fell into the same trap can be found on the Internet.

I advise you to read:
https://nevnov.ru/... vernut-dengi-lish-cherez-mesyac

Example number 3. Who found on the Internet. The system with "cold Billing" (Probably, the processor in the server is 80386 MMX, the old "stump"?), the check on the payment of travel in transport came with a large delay. As a result, it is generally impossible to establish a correspondence between the fact of providing the service and writing off money for its payment: 🙃 🙃

*https://newsvo.ru/blogovo/124176

Example 4

Not from plastic cards, but from life. 😀
The acquaintance left the car for the night not in the yard, but along the Paratroopers boulevard (because the places were occupied near the house).

A fine with a photograph of the car came by mail and the “Stop is prohibited” sign.

The sign was installed at the beginning of the street, and he leaving the middle of the quarter, where there is no sign “Stop is prohibited” when turning right. So, the driver could not see the sign at the beginning of the street when leaving the courtyard.

The fine paid 1,500 rubles.

After a couple of days, the "Stop is prohibited" sign at the beginning of the Paratroopers boulevard disappeared. The acquaintance showed the photographs "before" and "after", but did not sue the traffic police, because The core (suffers from heart disease).

Addition of 09/20/2023. The Federal Tax Service of Russia reports on the accessibility of the application for the AS Android and iOS "Checking the checks of the Federal Tax Service of Russia" (Author: JSC GNIVC).

Link to the application "Check the reciept of the Federal Tax Service of Russia":

• Google play:
• Apple Store

To work with the application, you need to log in by the phone number, through the personal account of the taxpayer or the public services portal (provision of access rights: viewing name, TIN, address E-maIL, mobile phone number and SNILS). During authorization through the LC FTS and public services, the functions of submitting messages about violation with an extended requisite composition are available in the application). When authorizing by phone number, scanning QR Code reciept works. An example of a recognized check:

Available actions with a check: share, see a check, add a check to the collection.

Also in the program at the menu "My profile" the QR code is displayed, which can be shown to the seller to receive an electronic reciepts by SMS.