Luminous Landscape Forum
Site & Board Matters => Luminous Landscape Video => Topic started by: KeithR on April 19, 2008, 10:04:51 am
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I recently purchased, downloaded and have been enjoying the Camera Raw tutorial. Nice work, by the way!
But this morning as I checked my bank statement, I was distressed to see that I was charged more for the download than what was listed! It is clearly marked on the page that the price is in U.S. Dollars! Has anyone else taken a look at was actually charged? This is not listed as pending on my statement, but rather as what was charged few days ago. When I purchased the tutorial and agreed to the cost, it is with the understanding that what is posted as the cost in US dollars is what would be charged to my account and not any more. This is most disconcerning
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I was charged 39.95, the listed price.
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I was charged 39.95, the listed price.
[a href=\"index.php?act=findpost&pid=190604\"][{POST_SNAPBACK}][/a]
Same here.
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Ditto.
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I was charged 39.95, the listed price.
[a href=\"index.php?act=findpost&pid=190604\"][{POST_SNAPBACK}][/a]
I just checked with my bank, and was informed that the $39.95 was correct on the date that I ordered but the merchant then submitted the amount as $40.74. I know that it is only $0.79 but I want to know why the change. The receipt I received from LL lists $39.95(in US Dollars). When this first appeared(15 April) as a pending charge, it was listed at $39.95. When I checked today is when I noticed the discrepancy.
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If you paid in a currency other than US dollars (your bank account is based in euros, for example), then the card issuer will charge you a fee to convert from your currency to US dollars. L-L will charge the stated amount in dollars, but the charge you actually pay will be slightly higher due to the fee. The conversion fee is not always listed as a separate charge.
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Keith, I have checked your credit card receipt and it says the right amount - $39.95.
So any additional charge is something your bank must have added - I would take it up with them
Chris S
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Keith, I have checked your credit card receipt and it says the right amount - $39.95.
So any additional charge is something your bank must have added - I would take it up with them
Chris S
[a href=\"index.php?act=findpost&pid=190621\"][{POST_SNAPBACK}][/a]
I did. They stated that the merchant submitted the extra. As I stated, the receipt I received from LL states $39.95. The bank has initiated a request from the merchant to get this corrected.
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If you paid in a currency other than US dollars (your bank account is based in euros, for example), then the card issuer will charge you a fee to convert from your currency to US dollars. L-L will charge the stated amount in dollars, but the charge you actually pay will be slightly higher due to the fee. The conversion fee is not always listed as a separate charge.
[a href=\"index.php?act=findpost&pid=190616\"][{POST_SNAPBACK}][/a]
Last time I checked, Minnesota was still part of the union
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Last time I checked, Minnesota was still part of the union
[a href=\"index.php?act=findpost&pid=190628\"][{POST_SNAPBACK}][/a]
Are you sure they didn't change that after the 84 presidential election?
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Chris - reading these posts, I just did a double take at your avatar....in a quick qlance, it looks like Boba Fett
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I did. They stated that the merchant submitted the extra. As I stated, the receipt I received from LL states $39.95. The bank has initiated a request from the merchant to get this corrected.[a href=\"index.php?act=findpost&pid=190627\"][{POST_SNAPBACK}][/a]
Very strange... the extra 0.79 is definitely not from us - and I am the merchant....
I have heard of something like this on one previous occasion where the card-issuing institution added a charge because the merchant is in Canada - possibly the case here?
I will enquire from our end. Please drop Customer Service an email re this: ()
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Not sure if this helps..
But as a regular purchaser of goods and services from the USA [I live in Australia] I often see very small surcharges show up on my AMEX or VISA - but they are always charges the bank levies and not the merchant - They are usually listed as 'foreign currency conversion fees', sometimes just as 'fee' and sometimes they are not named, but just included in the overall transaction. These small fees are not exchange rate conversions - they are fees the bank puts on the transaction for conversion over and above any exchange rate variation. They may also be fees levied by a foreign country bank for dealing with an international merchant. This is not the fault of the merchant and its out of their control - its the bank.
Hence some e-commerce websites now have in their T&C's an explanatory note to this effect that they are not responsible for fees levied by oversees banks on top of the normal transaction amount.
I have never had a problem with anything from the LL store however. The fees for currency conversion [not just the exchange rate] have always been listed seperatley by AMEX and VISA. And as above - these are fees levied by the banks - not the merchants.
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Not sure if this helps..
But as a regular purchaser of goods and services from the USA [I live in Australia] I often see very small surcharges show up on my AMEX or VISA - but they are always charges the bank levies and not the merchant - They are usually listed as 'foreign currency conversion fees', sometimes just as 'fee' and sometimes they are not named, but just included in the overall transaction. These small fees are not exchange rate conversions - they are fees the bank puts on the transaction for conversion over and above any exchange rate variation. They may also be fees levied by a foreign country bank for dealing with an international merchant. This is not the fault of the merchant and its out of their control - its the bank.
Hence some e-commerce websites now have in their T&C's an explanatory note to this effect that they are not responsible for fees levied by oversees banks on top of the normal transaction amount.
I have never had a problem with anything from the LL store however. The fees for currency conversion [not just the exchange rate] have always been listed seperatley by AMEX and VISA. And as above - these are fees levied by the banks - not the merchants.
[a href=\"index.php?act=findpost&pid=190711\"][{POST_SNAPBACK}][/a]
Just be clear on this. I live in the USA. Minnesota to be exact. The sale is in US Dollars. Others from Minnesota have stated that they were not over charged. Others also have stated that they were not over charged. The reciept I was emailed stated $39.95 I use a debit card for purchases such as these and can check balances on a daily basis(which I do). The day after I placed the order, it was listed as a pending transaction of $39.95. When it was officially posted, it was listed as $40.74 When I contacted the bank, I was told that the charge was originally posted at $39.95, but the merchant(I believe this is a company handling these transactions for LL)placed the amount at $40.74. I also have not had any problem in my orders from LL so I am also puzzled as to what happened.
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Some entity in the transaction chain between LL and you added in the extra fee, most likely erroneously.
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I have checked with Internet Secure - our credit card clearing house.They do not add any charge to the Customer (only to us ).
However they say that certain card issuers, notably under the Mastercard brand, but now increasingly Visa, add an additional charge to US account holders who make 'foreign' purchases. And we are oh so foreign.
So despite using $US as the currency, so that there is no add-on fee for currency conversion, these guys (the banks) figure they can soup up the charge because we are 10 miles to the North of the border. Sounds like 'Banking As Usual' to me
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I have checked with Internet Secure - our credit card clearing house.They do not add any charge to the Customer (only to us ).
However they say that certain card issuers, notably Mastercard, but now increasingly Visa, add an additional charge to US account holders who make 'foreign' purchases. And we are oh so foreign.
So despite using $US as the currency, so that there is no add-on fee for currency conversion, these guys figure they can soup up the charge because we are 10 miles to the North of the border. Sounds like 'Banking As Usual' to me
[a href=\"index.php?act=findpost&pid=191084\"][{POST_SNAPBACK}][/a]
Thank you for checking. I have, again, contacted my bank, and they are sending out paperwork as I am disputing the charge. In the meantime, to those that stated they were charged correctly(from within the US), is that based on the the email receipt from LL or from checking your bank statement? I'm courious as to if this is an isolated fubar.
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Thank you for checking. I have, again, contacted my bank, and they are sending out paperwork as I am disputing the charge. In the meantime, to those that stated they were charged correctly(from within the US), is that based on the the email receipt from LL or from checking your bank statement? I'm courious as to if this is an isolated fubar.
[a href=\"index.php?act=findpost&pid=191102\"][{POST_SNAPBACK}][/a]
I called visa. $39.95.
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My bank statement states $14.95 for LLVJ17. That's on a Mastercard debit card.
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Thank you for checking. I have, again, contacted my bank, and they are sending out paperwork as I am disputing the charge. In the meantime, to those that stated they were charged correctly(from within the US), is that based on the the email receipt from LL or from checking your bank statement? I'm courious as to if this is an isolated fubar.
[a href=\"index.php?act=findpost&pid=191102\"][{POST_SNAPBACK}][/a]
Happy to report that the bank saw the error of their accounting.
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Good on you!
I do not believe this is an isolated fubar but simply sloppy practice at best and 'something worse' at worst. Banks get away with far too much of this nickel and diming which I would imagine adds up into the millions+ of extra revenue. We, as the merchant, already pay them a very healthy percentage + fee for 'processing' your credit card - however the customer should not see any extra charge unless there is a currency conversion involved, and for US customers there is none. Smoking a pipe at both ends is an art at which banks have good practice but the odd spark reminds them that they shouldn't suck too hard...
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Happy to report that the bank saw the error of their accounting.
[a href=\"index.php?act=findpost&pid=191850\"][{POST_SNAPBACK}][/a]
Which means they figured they were about to spend way more than $0.79 in customer service.
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I was charged the right price and no extra conversion fee on my visa. Also I kinda like Lumminous Landscape is using US dollars.
Nice that the bank saw there error. Only time I got charged extra is when use cashmachines when I am out off the country.
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Hi Chris,
sorry that I want to correct your statement. Visa and Mastercard are not the legal issuers of debit or credit cards (in contrast to AMEX, which is the legal issuer). If there is any add-on on top of the purchase amount, it comes from the issuing bank and must be stated in the terms and conditions of the bank.
Regards
Bernd
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Which means they figured they were about to spend way more than $0.79 in customer service.
[a href=\"index.php?act=findpost&pid=191862\"][{POST_SNAPBACK}][/a]
Exactly.
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Which means they figured they were about to spend way more than $0.79 in customer service.
[a href=\"index.php?act=findpost&pid=191862\"][{POST_SNAPBACK}][/a]
Couldn't agree more! I'm sure that they spent at least an hour of billable time somewhere to look into this. But then the other day I received a letter from the bank(postage, paper, envelop, someone to push the key for the form letter, etc) stating that the error "was found to be in my favor". I laughed so hard. I had to read it twice cause it sounded like one of those cards that you get in Monopoly. You know, the one that says that the bank has found in our favor, collect x amount of dollars.
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That wasn't for you, it was for the legal and accounting departments.
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Good on you!
I do not believe this is an isolated fubar but simply sloppy practice at best and 'something worse' at worst. Banks get away with far too much of this nickel and diming which I would imagine adds up into the millions+ of extra revenue.
[a href=\"index.php?act=findpost&pid=191859\"][{POST_SNAPBACK}][/a]
That's theft over $1000 - yet nobody gets charged. Effin banks!
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Chris,
Don't mean to flog a downed horse, but this morning I found that I too had been charged $.80 as an Int'l Tran Fee. So, I contacted the bank secure in the knowledge that they had screwed up, either intentionally or out of ignorance. But the very sweet lady swore that according to her records the fee had been charged by and sent to Luminous Landscape and the number she gave me to call matched the one on the separate listing of the $39.95 charge for the Lightroom 2 Tutorial. Does 905-547-5066 mean anything to you?
I don't think you guys have the time to fret over such things, but there is something out of whack here. There are a lot of $.79 and $.80 charges here that the banks can let their computers chase and to each of us individually mean very little, but somebody in this chain of events is accumulating a lot of change. I'll stop by my bank for a face to face and see what I can learn.
Bill in WV
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Bill, I have asked the question of our CC clearing house (Internet Secure) many times if they _ever_ charge an extra fee to or customers- the answer is absolutely not.
_Any_ additional fee, other than that which is marked on our shopping cart and also your credit card receipt from Internet Secure is added by the card issuing institution.
The number they quoted is for Steven Sauve who used to look after out Customer Service until about 14 months ago. The only thing Steven still does is compose some music for us when the Video Journal comes out. I'll have to hunt down where that phone number is still in place on some records page.
Chris S