Unexpected Payment on my Credit Card

Hi:
When I received Credit Statement from my Credit Co., a mysterious payment, $150.00 on the top of its statement. I immediately called a phone# on its statement. A representative told me that it's Security Protection for my Credit Card, priced $150.00 and he also insisted that I did authorize at the same time when I purchased some items from on-line-shop. Of course, I NEVER authorize it for $150.00! Having seen this, I felt I was duped by two of those, Internet Shop and Security-Protection working together to get money from customers. (btw), this Internet-shop is one of reputable women's clothes shops.

I mentioned NEVER need it and wanted $150.00 money-back ASAP. He told me that he'll send a 'Certification Letter' for its cancellation and afterwards the $150.00 would be deposied to my Credit Card.

My question is;
How to handle this issue, $150.00 which was transacted/authorized without my knowledge? Even they NEVER notified me, thus I never knew it until I got Credit Statement yesterday.

Someone told me that it takes several weeks for him to get a money $150.00 from my Credit Co., then I'm no need to worry over. Is it true???

Any helps and advices would be greatly appreciated.

Hi,
I was not clear from your question: Did you call the company you made the purchase from or did you speak to your credit card company?

If you do not get your money returned from the company you made the purchase, then contact your credit card customer service and report it.

You have 60 days to report a dispute to your credit card company from the date on your credit card bill. By law, your bank must investigate the dispute and cancel the charges if they find that you are right. If you think the company you made the purchase from is reliable, then you may want to wait a few days to see if the charge is deleted. Just make sure that you do not go beyond the 60-day limit.

Phone your bank's customer service rep, but keep in mind that you may also be required to submit the dispute in writing -- be sure to ask. By law, the dispute must be in writing, but some banks will accept a verbal complaint. To be safe, try both. An email through the bank's online contact page may also be acceptable.

If you do find that you go beyond the 60 days, then call your bank's customer service anyway. Even though they have no legal obligation to you, some banks will still investigate your complaint.

If you paid through an internet payment service such as PayPal, you should also contact them. They will investigate your complaint for you.