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    laraine46's Avatar
    laraine46 Posts: 1, Reputation: 1
    New Member
    		  
    #1

    Aug 10, 2010, 09:16 AM
    Can a credit card company debit your checking without your consent
    Received a letter saying are checking account will be debited 411.00 for a credit card they sent a letter saying we authorized this transaction but neither my husband or I authorized this my husband was out of town and they never called me and I don't give info over the phone for our checking
    Curlyben's Avatar
    Curlyben Posts: 18,514, Reputation: 1860
    BossMan
    		  
    #2

    Aug 10, 2010, 09:43 AM
    Yes, assuming the credit card and chequing account are with the same company.
    It's known as off Setting.
    ScottGem's Avatar
    ScottGem Posts: 64,966, Reputation: 6056
    Computer Expert and Renaissance Man
    		  
    #3

    Aug 10, 2010, 09:50 AM

    If you obtained the card from the same bank, the fine print often allows them to debit your checking or savings for a delinquent credit card balance.

    However, if they are not the same bank, then no. Tell your bank that you have not authorized this transaction and ask the card company to provide proof that you did.
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