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Credit card overpayment (someone else paid). will they get the check for the overpayment or will i?

  • About two weeks ago, a gentleman (jerk) I WAS dating, offered to pay off the remaining $3,000 on my credit card. I reluctantly let him do so. Upon checking my balance online (which I do often), I saw the check had cleared, BUT I had an over payment of 3,000 on there. He says (lies) that while he sent in the physical check, his assistant also paid by computer to my account, which gave me an overpayment of 3gs. Days later I find that my original balance is back because his checking account was CLOSED (bankruptcy issues). I wasn't upset about that so much, but am more concerned that somehow Citi will send HIM a check for 3gs (the original overpayment amt) because it was his check that put me in overpayment. He says that if anything, the check will come to me because it is my account, but it will probably not come at all, as they see that my acct is now the old balance, and they wouldhn't have automatically sent out a check 2 days after it cleared and I went into overpayment. Does this make sense to anyone? Because Citi would not help me when I asked them. I am worried that he will get a check in HIS name, but he swears it's impossible. Obviously, I don't trust him as it is (closed my account, because he had the number, and ordered stuff with my card), so I'm a but nervous that they will send him a check, he will cash it, and I will have another 3gs added to my account. Help?!?!?!

  • Answer:

    No The money that is overpaid would reflect on your account the following month, and if you did nothing or requested it, a check would be sent to you not him, even though HE paid. If your account went back to where it was before this 3k was sent, then it sounds to me as though NO one would be getting a check. Besides, they would NOT send you a check the same month the overpayment was paid anyways. Expect that NO ONE will be getting any *extra* money.

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You will of course, as your name is on the account. But it won't actually come to anyone since the check never actually cleared. YOUR credit card company will never send anyone else information on your account.

Pascal the Gambler

i would say based on what you have said happen no one is getting a check for 3 grand and you are getting a returned check fee charged to your credit card account.

bird

You would know why over paid if he paid twice as there would be two credits for $3000.00. citi would not send a check back to anyone but the account owner and only if you requested it. If send by computer that check came out of his account maybe he claimed unauthorized transaction to get it back. Now you are late paying as well. Sounds like a scam to get into your pants to me

Calvin C

Makes no difference who paid, the account is yours. If there's an overpayment on the account, you will have to request a refund check. The card company will likely make you wait at least 2 months before issuing the refund. Since the one payment has already been reversed due to the check bouncing. There isn't going to be an overpayment. I suspect that second payment will also be reversed when he puts a stop payment on the echeck.

bdancer222

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