Key word here: FAILED. Which I still don't quite understand, all the information was exactly as my bank has it on file. Whatever. So if this didn't go through, then why do I have this:
What happened was I was trying to buy a 'Chicago Card' (it's basically a link from your credit card to use on bus and train fares). I went through everything, put in all my information EXACTLY as on my bank statement, and when I got to the very end, it gave me errors saying that my addresses don't match with what my bank has and what I typed in. Ok. Except... it still processed the payment. It didn't SAY this, of course, so I try re-entering the address and it goes through AGAIN, yet comes through as another error on the website. I log into my bank account and -- surprise -- three pending transactions from CTA, and me without the product I was trying to purchase (because it, supposedly, FAILED.)
I called my bank. They told me that if the transaction did fail, the pending withdrawals shouldn't go through. That doesn't give me much solace (this is the same bank that ran one check TWICE and left me without a way to cash my paychecks for a whole month. What's the point of having numbered checks, again?)
I then called CTA. After about a half hour of being on hold and staring at my online account, fuming, the person told me that as long as I didn't recieve an account number, then it didn't go through. Yeah, that's really going to make me feel better.
What's the bad service, you may ask?
Having an online payment system with a faulty 'information matching' process that sends the payment verification to your bank BEFORE comparing information. That doesn't make ANY sense whatsoever.
As said on the website: For your security, we require all of your billing information to match what your bank has on file for your card. If there is a mismatch, your transaction will fail.
So if this is for security... then... why not match the billing information BEFORE sending the authorization to the bank? Am I the only one that's annoyed by this? God help them if I get up tomorrow morning and the transactions post.