Overcharged Credit Card - Bank BNI and Paypal case. Beware.

Update:

Monday, 7th of April 2014

1. Went to local BNI near my office and creates a formal written complaint along with printed evidence of the transaction in paypal. The Bank said they had nothing to do with the Credit Card division and put me on the phone with CS. Again. After lengthy debate with CS, they allow me to file a formal complaint after the transaction has been cleared first. Dont ask me when that is. It could be eternity, and i'd assume they would just bill me anyway at the end of the month because "the system said so".
2. HumbleBundle confirmed that the transaction is $4 and that is what they sent out as well to paypal. Paypal is still investigating things down their side

Tuesday, 8th of April 2014

1. Called paypal and they acknowledged the problem, will get back to me as soon as possible

Thursday, 10th of April 2014

1. Problem solve. Suddenly its Rp 49,680 again. 

Original Post
Havent been blogging for a while, im a keep this story somewhat short.

So i like playing games, yes we all know that. And as i grow older, i realized that indie dev is the one that you have to support. Thats why i like the idea of Humble Bundle, basically indie dev selling and bundling their game together and anyone can pay any amount to buy it. Half charity, half marketing.

And so i have been buying quite a lot of Humble Bundle. Last night was no exception. I paid $4 for bunch of games, and proceeds as usual through Paypal.

Paypal gave me the usual currency converter page, which gave me $4 as Rp 46,980 in Indonesian currency. No big deal, i paid and completed the transaction.

Almost instantly, i received SMS from my bank, BNI. It said that i just made a transaction of Rp 4,698,000.

what

the

actual

duck???????????

That equals to $400 ! About as much as a PS4 in America.

In panic i logged into my paypal again and took a look at the receipt of my last transaction. Guess what? it was $4. or Rp 46,980 in converter.

I called my bank, telling them this and the response was the usual kind of response you'd expect from a customer service.

Its the usual "we hear you, shit happens, and no we cant do anything about it"

BNI basically tells me that they cant do anything about it because the merchant does the transaction. BNI has nothing to do with it. Well well, why did they call this BNI Credit Card then? might as well call it Iqbal Credit Card with my face printed at the card if BNI arent going to have anything to do with it.

I called them 3 times, 3 different CS representatives. All gives the same answer. They cant do anything, and told me to resolve it with paypal.

So i did, i raised dispute to paypal asking them what did they charged to BNI. Why the receipt is $4 while they charged BNI $400.

The case, as this post is made is still under investigation from paypal. But knowing how sucks Indonesian system and banking is, here is what i think will happen:

1. Paypal confirmed that HumbleBundle received $4
2. Paypal confirmed that they charged BNI $4
3. BNI wont know a thing and still charged me $400 for it "because the merchant and BNI system" said so.

This is a loss loss situation to me as it stands. Terrible.

I believe this is a mistake somewhere between paypal and BNI part. You see, the way Dollar goes, there are always cents involved. Paypal wrote my transaction as $4,00 which i think somehow interpreted by my bank as $400.

Thats the only was i can imagine it goes. I mean how else can $4 turns into $400?

I will update this page as it goes. Email sent to HumbleBundle, Paypal, and BNI to resolve this. Not so confidence, but i keep my fingers crossed.

And below you can find evidence of my Paypal transaction that night.

Anybody had this happen before?