Jamestown Cycle Shop

On August 8, I rented (2) bikes for 24-​hours from ‘Jamestown Cycle Shop’ at the Chautauqua Institute location for $ 50. I provided my debit card information and a photo copy of my driver’s license (in the event the bikes were not returned). I spent some time talking to the seller on the day of the rental. I asked if we could return the bikes after the shop closed, since we were paying for a 24-​hour rental and the ‘Hours of Operation’ were only until 6pm. She explained that we would simply need to park the bikes outside of the shop when finished riding. The bikes were returned by 7:30pm on the same day as the rental. I assumed that my debit card would be charged when the shop opened the following day. I was pleased with my experience and planned on returning in the Fall.
On 8÷30÷15, I was doing some shopping and noticed that there was a charge on my online banking for $ 161.25 from Chautauqua Bike Rental. I had missed a call from a (716) area code the previous day, so I checked my voicemail. Steve from Jamestown Cycle had left a message on 8÷29÷15 at 5:40pm. The content of Steve’s message was to ask a question about a bike rental ticket from 8÷8÷15. He explained he was «buttoning up» things at the shop for the end of the month and would like a return phone call. At no point did the message reference additional rental fees/​charges.
I called the business concerned that our bikes had not been received on return. Steve explained that I was not being charged for unreturned bikes, but for a full week’s rental. He stated that Jamestown Cycle had made an «administrative error» and my card was never charged for the initial rental. I explained the situation and my conversation with the seller — and asked why I would be charged for a full week? Steve stated that if a transaction is not closed, it is assumed that the bikes were rented for a full week. He already indicated being aware that the bikes had been returned and referenced the rental receipt multiple times during our conversation — so I’m still unclear why I would have been charged for a weekly rental. Steve denied running my debit card for this payment on 8÷30÷15. He stated that he was immediately processing a refund (admitting then that the card was charged) for $ 111.25, which was the difference between the cost of the rental and the week for which I was charged — no refund has been credited to my account.
It’s an unethical (and probably an illegal) business practice to charge customers, without authorization, for services not rendered. If I had not noticed the charge on my account, it would never have been in dispute — effectively, Jamestown Cycle would have stolen $ 112.25 from a customer. Furthermore, it was inconvenient for a number of reasons — the charge was not processed in a timely fashion, which is my expectation as a customer. The «administrative error» (i.e. not charging my debit card for the initial transaction) is the responsibility of Jamestown Cycle. I feel strongly that Steve was attempting to balance transactions for month end and charged my account (with a $ 111.25 penalty) when he did not receive an immediate response on a matter that was left not rectified by the business for 21-​days! This was not an issue of someone trying to «get something for nothing» — it was a mistake made by the business, for which I was penalized with an overcharge. I would like a refund (as promised). However, my main concern is that Jamestown Cycle stop an unethical/​illegal practice of charging for services not rendered and without customer authorization.