topic Re: VIP 5 easypay, check your bank accounts in Q Talk

VIP 5 easypay, check your bank accounts

hoosieroriginal — Tue, 17 Nov 2015 14:49:35 GMT

I mentioned this the other day, there is a problem when you try to process the VIP 5 easy pay. Friday I placed an order requesting VIP 5 easy pay - they charged me the full amount. I cancelled the order, called this morning to report the problem. Frank said he would report the problem - he reordered it for me and AGAIN - the full amount was taken out instead of the 5 easy pay. I called back and canceled the order and spoke to a representative to tell her there is a problem. She told me the order showed it was on 5 easy pay, but she saw that they took the full amount out. She said "You're the first call I've received on this" I told her I don't think people are checking their bank accounts, that they are just assuming it is being put on 5 easy pay. So just be aware. She said she would talk to whoever deals with it and apologized. So, I'm not using it until they get it fixed - sad when they offer you a special promotion and their system processes it wrong.

Re: VIP 5 easypay, check your bank accounts

JavaQueen — Tue, 17 Nov 2015 14:56:56 GMT

Other people have discussed this here. They are not really charging the full amount. Sometimes they do a "pull " of the full amount when they authorize. It then takes a few days for it drop off. And then you should be charged for the appropriate amount for the EZ pay.

If you cancel an order over the weekend, it tkes longer for the money to go back into your account.

. I think the thing is you have to have the full amount for the item in your account. If you're on edge, it's kind of dicey. If you don't cancel, it usually works out OK

It all depends on your bank.

Re: VIP 5 easypay, check your bank accounts

hoosieroriginal — Tue, 17 Nov 2015 14:59:24 GMT

@JavaQueen wrote:
Other people have discussed this here. They are not really charging the full amount. Sometimes they do a "pull " of the full amount when they authorize. It then takes a few days for it drop off. And then you should be charged for the appropriate amount for the EZ pay.
If you cancel an order over the weekend, it tkes longer for the money to go back into your account.
. I think the thing is you have to have the full amount for the item in your account. If you're on edge, it's kind of dicey. If you don't cancel, it usually works out OK
It all depends on your bank.

No, the representative confirmed they took the full amount out from her end. I've never had them do a "pull" at QVC.

Re: VIP 5 easypay, check your bank accounts

Lipstickdiva — Tue, 17 Nov 2015 15:43:17 GMT

@JavaQueen this is what happens with my bank all the time on my first easypay payment or flexpay (from HSN).

If I buy something for $50.00 and it's on 5 easypays, they put a hold on the full $50.00. It will show as "pending" on my statement when I check on-line. After no more than 3 days, that drops off and one easypay of $10.00 is actually charged and pulls from my account.

I am talking about a debit card. You wouldn't see any of this with a credit card.

I wonder if this was a debit card, did QVC actually deduct the full amount from OP's bank or did it just show it as a pending debit?

Re: VIP 5 easypay, check your bank accounts

millieshops — Tue, 17 Nov 2015 15:40:49 GMT

Debit or credit??? I wonder because so many times when these p[roblems arise, it's with a debit card and I've never encountered the problem OP is having with any of my credit card purchases.

Re: VIP 5 easypay, check your bank accounts

KYToby — Tue, 17 Nov 2015 16:36:31 GMT

In most cases, complains such as this are due to people not understanding how banking works.

There are differences between authorizations and charges. There are differences between debit and credit.

At some point, peole need to take the time to eduate themselves on how banking worse. Perhaps take a few minutes to actually read the disclosures and fine print which come with one's cards as well as the disclaimers on a website. At some point, we need to take responsibility for our own money rather than blaming retailers.

Re: VIP 5 easypay, check your bank accounts

Pearlee — Tue, 17 Nov 2015 16:40:11 GMT

@KYToby wrote:
In most cases, complains such as this are due to people not understanding how banking works.

There are differences between authorizations and charges. There are differences between debit and credit.

At some point, peole need to take the time to eduate themselves on how banking worse. Perhaps take a few minutes to actually read the disclosures and fine print which come with one's cards as well as the disclaimers on a website. At some point, we need to take responsibility for our own money rather than blaming retailers.

@KYToby I very much look forward to some day reading a positive, upbeat, and cheerful post from you.

Re: VIP 5 easypay, check your bank accounts

Tissyanne — Tue, 17 Nov 2015 17:50:22 GMT

Purchases made with a debit card are not authorized for the total amount, when easy pay is used. The bank does not even know that information.

Re: VIP 5 easypay, check your bank accounts

JavaQueen — Tue, 17 Nov 2015 17:42:49 GMT

LipstickDiva explained it better than I did. (thanks) I was assuming that the OP used a debit card. in most cases, a credit card charge doesn't affect your bank account.

The bank isn't the one authorizing the charge; QVC is. If you apply for an EZ pay/Value Pay, whatever, QVC will sometimes put in the full amount. They know what that is. What they don't know if it is a debit or credit card.

As noted by LipstickDiva, the full amount will "drop off," and the regular VP will be deducted. If you cancel something, you still have to wait for everything to clear out. There is no blaming QVC. But it is upsetting if a person has never encountered it.

Re: VIP 5 easypay, check your bank accounts

brii — Tue, 17 Nov 2015 17:54:48 GMT

I've never had the full amount put on hold either with a debit or a credit card from QVC. It's only been the first easy pay amount.

Last week I purchased 2 items from HSN. They were running a free shipping promotion with a purchase of $75 or more. When I checked my card online, it showed a different amount than the purchase price. When I spoke to someone in CS, she explained that they authorize the charge and then adjust in 3-5 days, less the discount. I thought that was strange.

Re: VIP 5 easypay, check your bank accounts

hoosieroriginal — Tue, 17 Nov 2015 18:32:16 GMT

@Tissyanne wrote:
Purchases made with a debit card are not authorized for the total amount, when easy pay is used. The bank does not even know that information.

It was a debit card - I have never had my bank put a "hold" on anything - they don't know it's easypay. The representative confirmed it went through as "full price".

Re: VIP 5 easypay, check your bank accounts

Eva-QVC — Tue, 17 Nov 2015 19:31:11 GMT

Hello @hoosieroriginal - I'm sorry for this confusion. Anytime you place an order there is an authorization for the full amount. A sort of confirmation hold that the funds are available. It drops off and you are only charged the first installment of the easy payment when the item ships. I'm sorry the representative told you the full amount was taken out of your account. Technically it is on hold but not deducted from your account.

Please let me know if you have any other questions.

Thanks!

Re: VIP 5 easypay, check your bank accounts

hoosieroriginal — Tue, 17 Nov 2015 19:34:08 GMT

@Eva-QVC wrote:
Hello @hoosieroriginal - I'm sorry for this confusion. Anytime you place an order there is an authorization for the full amount. A sort of confirmation hold that the funds are available. It drops off and you are only charged the first installment of the easy payment when the item ships. I'm sorry the representative told you the full amount was taken out of your account. Technically it is on hold but not deducted from your account.

Please let me know if you have any other questions.
Thanks!

Eva, I have a debit card and people on this entry say that doesn't happen with debit cards. I have never had my account show a full deduction before. It just shows the easy pay debited from my account. And why did the representative say it did show the full amount was debited from my account?

Re: VIP 5 easypay, check your bank accounts

Lipstickdiva — Tue, 17 Nov 2015 21:44:32 GMT

@Tissyanne wrote:
Purchases made with a debit card are not authorized for the total amount, when easy pay is used. The bank does not even know that information.

This is not true. I check my bank account daily and I always see a pending debit for the full amount in my checking account. Then that drops off and just one easypay is charged.

For those that say this doesn't happen with their bank, is it possible your bank doesn't show this information to you? My bank never used to show pending transactions. They only showed actual debits and credits. Then all of a sudden, pendings started to show.

Re: VIP 5 easypay, check your bank accounts

GinaV24 — Tue, 17 Nov 2015 21:59:45 GMT

@Pearlee I wouldn't hold your breath waiting for that to happen.

Re: VIP 5 easypay, check your bank accounts

Pearlee — Tue, 17 Nov 2015 22:04:21 GMT

@GinaV24 wrote:
@Pearlee I wouldn't hold your breath waiting for that to happen.

@GinaV24 You got that right!

Re: VIP 5 easypay, check your bank accounts

Tissyanne — Tue, 17 Nov 2015 22:34:32 GMT

@Lipstickdiva wrote:
@Tissyanne wrote:
Purchases made with a debit card are not authorized for the total amount, when easy pay is used. The bank does not even know that information.
This is not true. I check my bank account daily and I always see a pending debit for the full amount in my checking account. Then that drops off and just one easypay is charged.

For those that say this doesn't happen with their bank, is it possible your bank doesn't show this information to you? My bank never used to show pending transactions. They only showed actual debits and credits. Then all of a sudden, pendings started to show.

@Lipstickdiva, with all due respect I do know my bank's practices. They are not withholding this information. I have discussed this with them and I do know what I am talking about.

Re: VIP 5 easypay, check your bank accounts

spix — Tue, 17 Nov 2015 23:30:22 GMT

My bank only does a hold or whatever on the easy pay payment, & that continues with each payment as they become due

Re: VIP 5 easypay, check your bank accounts

jaxs mom — Tue, 17 Nov 2015 23:35:54 GMT

@JavaQueen wrote:
Other people have discussed this here. They are not really charging the full amount. Sometimes they do a "pull " of the full amount when they authorize. It then takes a few days for it drop off. And then you should be charged for the appropriate amount for the EZ pay.
If you cancel an order over the weekend, it tkes longer for the money to go back into your account.
. I think the thing is you have to have the full amount for the item in your account. If you're on edge, it's kind of dicey. If you don't cancel, it usually works out OK
It all depends on your bank.

I've never ever had that happen.

Re: VIP 5 easypay, check your bank accounts

gbtique — Wed, 18 Nov 2015 00:41:54 GMT

I tried to use the VIP easy pay promotion online and it doesn't work there either. It doesn't give you the opption of choosing 5 easy pay, only 3 easy pays or the full price. Whats up with that? They give you a 5 easy pay promotion and you can't use it. That's not fair. boo-hoo