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Off contract phone purchase.

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I am pretty sure this is Unique situation.  I am normally used to seeing a hold then charge and the hold removed in most cases this is what supposed to have happened.

 

Right now my bank is at a negative balance due to being either hold and charged, or I have been charged twice.  I would like to know exactly how you guys do it.  If there is a hold exactly how long does it take you guys to get it removed, and if it is a double charge how long would it take for me to be refunded?


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