Some time ago I purchased a trip from a leading tour operator in Germany (I’m resident of a close-by country).

They asked me to provide them with a credit/debit card details so they can collect €1000 fee. Their payment processing time is weird and was taking several days. Initially I provided them with a card “A” (linked to bank “account-A” in my local currency), then two days later I asked them to actually switch and use card “B” instead (linked to “account-B” in EUR currency).

Now what happened:

I was charged the correct €1000 fee on “account-B” ✅ At the same time my “account-A” was credited equivalent of €1000 🔴 (card-A was never charged). My bank converted this amount to my local currency and took significant part of it (currency exchange spread). It clearly seems the company responsible for charging my card incorrectly returned me €1000 on “account-A”, while collecting €1000 from “account-B” at the same time.

Now, after a long period of time, this Tour Operator sent me physical letters stating that I owe them €1000. I responded by email explaining what happened (like above), and that I’m happy to return them €1000 minus currency-exchange fees that my bank has taken (let’s say it’s €900, so bank is taking 10% fee).

  • They didn’t understand my explanation, claimed it’s a problem of my bank which I should resolve on my own (it's not the case, my bank is only receiving/sending money as requested), and that I still owe them €1000.
  • They don’t answer phone calls, and respond to emails with 30-days delay (making communication very hard).
  • In the meantime they sent me yet another physical letter with charges for an “extra reminder”.

What shall I do? I do want to return to the tour operator €900, but I don't want to pay for excess fees caused by their error. Limited contact from their side is making this issue hard.

  • 1
    I am not sure but I think they should be able to reverse the transaction through their bank. Normally, mistaken transactions are undone - they are not fixed by making another transaction. Maybe you could talk to your bank. (This is just a suggestion obviously, not a real answer) Oct 9, 2020 at 11:39
  • @user253751 interesting point. The main problem here is that currency exchange was involved, and exchange rate is different today comparing to the operation date.
    – tourist
    Oct 12, 2020 at 11:27
  • Doesn't matter. They should be able to undo it. Banks absorb these kinds of costs all the time. And there's a 50% chance that the exchange rate has changed in the bank's favour. Oct 12, 2020 at 11:47
  • I’m voting to close this question because it might be better at home on finance or travel.SE
    – Trish
    Oct 22, 2020 at 10:06


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