Product: Credit card

On XXXX ( a XXXX ), I had my care repaired at XXXX XXXX in XXXX XXXX, XXXX. I have used them before ( reliable ), but not in XXXX  years ( before XXXX ). The owner got XXXX and was in the XXXX for XXXX  months, lost all his staff, and had to move to another shop in his cul-de-sac for space, and use their office equipment, part of which was a credit card " reader '' that had been " acting up ''. 

He tried XXXX card which failed to " read '' and failed to " enter ''. Hence he tried a XXXX  card of mine ( the one involved ) which also failed to " read ''. So he tried manually entering which I think was XXXX  times, and finally accepted. If I recall correctly, he had to do a phone authorization as he was not the primary business. I think I took the receipt but as very late in the XXXX  and had other errands to run. 

The following day ( XXXX ) he called to say there had been a " digit '' error - the XXXX had been entered as XXXX. He called the issuer to tell them of the error, but they insisted it had to entered with the card. By that time, evidently the card reader problem had been worked though the phone. Since it was late XXXX ( and he is not open on XXXX and XXXX  ) he said to bring the card in XXXX ( XXXX ) and the card was run through for the XXXX credit. 

I assumed it would be dealt with in a XXXX  or XXXX - the usual time-frame for posting debit transactions. 

Imagine my surprise to get notice from my bank that my account was overdrawn ( which fortunately had XXXXXXXX of over draft protection. XXXX  more charges came in and I called the bank to let them know what had happened, at which time I called XXXX to find out what they planned to do, assuming since they had electronically debited my account, that they could electronically credit it. 

XXXX 's categorically refused to do that, both the Phone Agent and Supervisor, saying the only way they *ever* refunded was by paper check which would take XXXX days by XXXX " XXXX  mail XXXX ( not Priority, not XXXX overnight ), leaving me to deal with the mess and pulling money from elsewhere ( XXXX ) to cover the shortfall and accruing XXXX over-draft charges. 

Needless to say, I was furious. I asked the XXXX what XXXX 's Interest fee was XXXX my card should " default ''? XXXX XXXX I told him I wanted to be " made-whole '' for the XXXX  XXXX  Interest I would pay to the bank for the Overdraft Protection Advance and each XXXX Overdraft Charge. He said as a " courtesy '' he would add XXXX to the XXXX. 

I also asked if it was Company Policy to delay credit posting to " jack-up '' the XXXX XXXX since this should have been resolved XXXX  before. Essentially " no comment ''. 

I have reviewed the bank and card statements to see what the " XXXX  '' was. For XXXX, looking a transactions debits ( both my and my spouse 's card which uses far more often for groceries, transactions are almost posted within a XXXX  or XXXX. 

For Payments, there has never been a payment this large. Looking back, it took from XXXX ( XXXX  ) to XXXX ( XXXX ) - XXXX XXXX - for the XXXX to be credited from the Transaction to Posting date. It is interesting is that XXXX does *not* listing Running Balances like my bank or XXXX does. 

XXXX debited my bank account on XXXX ( XXXX  ) for XXXX This was over XXXX ( XXXX  ) after the XXXX credit noted in the paragraph above. This is something I to derive " by hand '' as XXXX does not do Running Balances.