[BEWARE] AmEx Direct Debit and Manual Payment

[Deactivated] on 04/08/2017 - 16:06

About 3 weeks ago AmEx issued my statement. I have direct debit set up and decided to instead pay through the app straight away so I don't have a large sum of money sitting their for no reason. Yesterday was the day my direct debit usually gets processed for which I got an email saying "Thank you for your payment", I quickly logged onto my AmEx account and realised I had been charged again! I quickly called AmEx and they put in a refund request. The lady on the phone told me that their system has no way of knowing if you made a manual payment so it will process the direct debit whether or not you already paid. I think it's ridiculous that a company as large as AmEx doesn't have a system to detect this.

Consider this a warning and to check your statements and accounts often!

Financial

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American Express
American Express

Comments

  • OzBestDeal on 07/08/2017 - 09:23
    +2

    Citibank have option to direct debit the balance of the card.
    So if you pay the card by other method beforehand, direct debit will check whatever balance left, and debit that amount.

    • hawkers8905 on 17/08/2017 - 14:20

      So do CBA and quite rightly so should AMEX.

  • itstuan on 07/08/2017 - 13:48

    Stop blaming other people about every problem in your life. So what if Amex didn't automatically detect your manual payment when a auto direct debit has been in place. You called and they're refunding. End of story.
    So dramatic…

    • hawkers8905 on 17/08/2017 - 14:20

      Other banks don't work like that for their Credit Cards.

      • itstuan on 17/08/2017 - 17:17

        Doesn't matter which bank does and doesn't. Its still OP own problem for making manually payment when a auto debit is in place. I choose credit cards based on their interest rate, rewards, not the "they didn't detect I made a manual payment bullshit feature"
        There's really no drama as OP made out to be. Live with less and you end up with more better things in life.

  • jerjergege on 11/08/2017 - 07:48
    -1

    Rofl, deffs your own fault, I set up direct debit on my new mobile phone bill, I forgot i had and I paid manually as well for the 2nd month, went to credit for my next bill.

    You're a goose.

    • tess1988 on 12/08/2017 - 19:57
      -1

      I don't think Telstra works like that

    • hawkers8905 on 17/08/2017 - 14:19
      -1

      Other banks don't work like that for their Credit Cards.

  • stan-C on 15/08/2017 - 11:33

    TBH, its not OP's problem at all. As long as OP made the manually payment before the DD date, AMEX should detect how much OP paid and how much OP owe, and DD the amount of money OP still owe instead of charging the total amount of money.

    • hawkers8905 on 17/08/2017 - 14:18

      Spot on. CBA manage to do it easily enough on my MasterCard. It even specifies on CBA that the remaining amount will be DD'd.

  • hawkers8905 on 17/08/2017 - 14:17

    Cancelled my direct debit after my first statement was received when I realised this pathetic bug in their system.

    I got my statement for e.g $500 but before the DD was due I had made a payment of e.g $200. When it kept showing that $500 would be DD'd on dd/mm/yy I contacted them and informed me it didn't auto adjust. Cancelled the DD there and then.

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