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Yup this is why I never use debit except at ATMs. A credit transaction of this nature would just get held by the bank.
What sucks is that the barista that rang up the mistake probably got fired. Lots of retailers have zero tolerance for this kind of thing. The bank won't face any consequences.
Yep. And even though you're likely to get that money back with a debit card debacle, look at how long it took, which means months that she did not have access to real money she may have been relying on for other things. I am still floored that some of my colleagues use their debit cards for everything
I'll hold my tongue on whether the barista should have been fired or not
A debit card for a cup of coffee is not a big deal (as there is often a minimum on credit card purchases i.e. $10 or $20 due to merchant fees) - though cash might be a better option, particularly for her. :-)
Regulation E allows for consumers to challenge errors (to be corrected within 45 days) - so I'd be curious to know the specifics, but a receipt (or paying attention to the display) is a no-brainer i.e. she wasn't even aware of a problem until receiving notice of an overdraft. What if she had enough to cover; then what? How long would it have taken her to even notice there was a problem? Obviously, that's negligence on her part as well.
I’m not sure what you’d consider a big deal but the situation you are commenting on would be a pretty damn big deal to me
This is one reason I pay cash for my small (less then $25) purchases. I do use my Debit card quite a bit but mainly at places that ask me (on the screen) if the amount is correct before I approve it.
I hope not. I know of retailers and restaurants that fire workers for the first offense of things like inputting a tip incorrectly.
Any 'errors' involving tips (particularly more than one) is entirely different than this scenario i.e. the barista did not benefit (nor anyone else).
Quote:
Originally Posted by Lowexpectations
I’m not sure what you’d consider a big deal but the situation you are commenting on would be a pretty damn big deal to me
I don't consider it a big deal to purchase incidentals with a debit card, if that's what someone wants to do; her mistake was in not paying attention to the display/receipt. That said, she's whole i.e. an error is an error.
Quote:
Originally Posted by johngolf
This is one reason I pay cash for my small (less then $25) purchases. I do use my Debit card quite a bit but mainly at places that ask me (on the screen) if the amount is correct before I approve it.
Since it was a transaction for $5700, it would have required a pin or signature (and often, depending upon the network, one is required to choose debit or credit as well). This could be (at least partly) the reason for the (alleged) delay i.e. it was her negligence as well.
I don't consider it a big deal to purchase incidentals with a debit card, if that's what someone wants to do; her mistake was in not paying attention to the display/receipt. That said, she's whole i.e. an error is an error.
I consider having to go back and forth with it to be a big deal, having 5700 taken, credited, taken again and provisionally credited from/to my checking account to be a big deal. Even more so vs a credit card where the issue is resolved in an easier and more timely manner than what happened here. She made multiple mistakes and one was using a debit card
Location: As of 2022….back to SoCal. OC this time!
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Quote:
Originally Posted by CorporateCowboy
A debit card for a cup of coffee is not a big deal (as there is often a minimum on credit card purchases i.e. $10 or $20 due to merchant fees) - though cash might be a better option, particularly for her. :-)
Regulation E allows for consumers to challenge errors (to be corrected within 45 days) - so I'd be curious to know the specifics, but a receipt (or paying attention to the display) is a no-brainer i.e. she wasn't even aware of a problem until receiving notice of an overdraft. What if she had enough to cover; then what? How long would it have taken her to even notice there was a problem? Obviously, that's negligence on her part as well.
Maybe she is blond! BUT..srsly...Ita! I always look at the amount. If it’s less than $50 & I don’t get asked....then I might not see it. BUT she had no excuse IMO.
I consider having to go back and forth with it to be a big deal, having 5700 taken, credited, taken again and provisionally credited from/to my checking account to be a big deal. Even more so vs a credit card where the issue is resolved in an easier and more timely manner than what happened here. She made multiple mistakes and one was using a debit card
Point being, the EFTA offers protection for timely resolution (45 days); ultimately, it was her own negligence which cost her in (not carefully watching) what she approved.
I suppose there are real applications for the debit card, but I was buying stuff for about 20 years before they existed and I've been buying stuff for about 30 years since and I'm darned if I can figure out a single case where the debit card would have been an improvement over normal ways of paying.
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BUT..srsly...Ita! I always look at the amount. If it’s less than $50 & I don’t get asked....then I might not see it. BUT she had no excuse IMO.
