Toys R Us Online Shopping

I am writing today looking for direction on how to move forward with a comp=

laint against Toys R Us and what rights I have as a consumer.

On 11/28/07 I made an online purchase at ToysRUs.com. The transaction was s=

ent to my debit card bank and the funds were placed on hold. On 12/5/07 a s=

econd transaction was sent to my debit card bank placing the funds in a sec=

ond pending transaction state. According to my bank statement there were tw=

o separate transactions in which funds were being sent twice to Toys R Us f=

or one purchase.

I called to inquire about the duplicate charges to my card and was given th=

e following responses

First I was told that at the time of my purchase the authorization departme=

nt sends a authorization request. This places the funds on hold with my ban=

k. Once the item ships, it sends a actual purchase transaction. The authori=

zation hold is then released once the bank sends the money to Toys R Us. Ac=

cording to the service rep this is usually a seemless transaction with cred=

it cards because the authorization is usually released within 24 hours. I w=

as asked to please be patient and I would see the authorization hold releas=

ed and the funds would then be available in my account. When I asked to spe=

ak with a supervisor I was advised there was no one else available and the =

authorization department will not speak with Commerce Bank customers. AgainI was asked to please be patient and allow at least 24 hours for the relea=

se of my funds.

My question is this, what is the consumers right in this kind of situation?Within 24 hours the hold was released and the money was available in my ac=

count. the funny thing is the initial transaction dated 11/28/07 disappeare=

d from my bank statment. For my own protection, I kept copies showing both =

transactions. For 24 hours Toys R Us had a hold placed on my account preven=

ting me to access my own cash and also brought my balance below the minimumrequired balance. The second hold opened the door to other potentially pro=

blematic issues aside from the fact I was refused access to my money. WhileToys R Us was truly only paid once per the authorized purchase, this situa=

tion caused me to be terribly upset. I spent a significant amount of time o=

n my cell phone, which used peak minutes, calling Toys R Us as well as Comm=

erce Bank attempting to resolve the issue.

What can I do about this and to who can I turn to?

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