O'Bill, below is what the credit card statement says. My bank account says that $100.00 is there, cleared and all (with no ODP fees incurred). So, maybe once the extra charge the establishment laid on me is absolved, this $100.00 will be returned and I'll have no transfer and no charges.......
Pending BANK OF AMERICA ODP Temporary Authorization $100.00 $100.00
Transaction Date: 08/19/2008
Transaction Type: Temporary Authorization
Reference Number: TEMP
A temporary authorization is an approved transaction that has not yet been posted to your account. The amount of the transaction has been deducted from your available credit. Normally, a temporary authorization converts into a posted transaction, but if the merchant doesn't complete the transaction it will expire and the temporary charges will be removed.
I'd lay 10 to 1 your ODP Authorization will expire providing there is no overdraft, which there should not be. Unless the restaurant employee was a complete idiot (possible); he/she would have used the same authorization code for both the $30 dollar charge and the larger authorization... which effectively cancels the authorization on the restaurant CC processor's end as soon as the $30 was put through on the "end of day" report.
My take: Restaurant made a small harmless booboo that would never have cost you a nickel.
ODP: Responded by readying itself to step in if need be, but ultimately will not need to be.
You: Unfortunately got spooked by the online reflection of the authorization making your funds appear
to be about to be gobbled up. Had you not noticed anything; all of this would have passed harmlessly without your ever having had to do anything.
What I don't know is if your bank charges a fee merely for your ODP readying itself
to step in. I seriously doubt it, because that would be pretty asinine.
If you're still worried (I would not be), call the bank and ask: Do I incur fees for ODP authorization? Or only if indeed that transfer actually takes place?