Woman charged $5700 for coffee

[TashaPosh]

Originally Posted by CorporateCowboy

Again, you aren't understanding the differentiation between federal law and 'zero liability', which is a benefit (often, but not always) offered by the card issuer above and beyond what's required by law. Zero liability policies are voluntary and usually include a condition precedent (to which you're referring).

That said, no matter the network (or whether one has zero liability protection or not) liability is limited to $50 if reported within two days. Hence the importance of text alerts and practicing suitable care of one's own accounts. Clearly, the woman in OP's story did not i.e. she was a victim of herself.

Originally Posted by CorporateCowboy

It does not mean they have a right to deny reimbursement in totality; it simply means one would be liable for $50 instead of zero (given the appropriate steps).



Social media isn't federal law (and not everyone follows the appropriate steps i.e. taking over sixty days to report it from receipt of statement). This is my point relative to the OP's story. Had it not been for an overdraft notification, when would she have even noticed the error she signed-off on?

Thank you for explaining over & over the difference BUT...some ppl are never going to understand tho. AND Ita it’s not hard to check what you sign or get a text alert ofc...so you can report errors & fraud fast...you help yourself. I’m blond & I get it.

Originally Posted by oregonwoodsmoke

I assume the credit card company will straighten this out. Myself, I'm outraged at the thought that a cup of coffee cost $5.70.

Love this. ^^ I was waiting for somebody to bring this up...

Originally Posted by CorporateCowboy

It's not a matter of belief (or Reddit); it's knowledge of law. ;-)

Just like the woman & her coffee....it’s like it’s everybody’s fault but hers??? She signed it! If it was me....I would just be happy I got my money back. AND I’d be a little embarrassed at how I come across to fight or complain about it when I wasn’t watching what I did...JMO.

So many ppl give out their PIN numbers or cards to friends or family members....so ofc that all has to be investigated because that’s how stuff can happen. Don’t give your pin or cards to anyone IMO.

[GrandmaChris]

we use our American Airlines CC for almost everything - only use my debit card for either cash at the banks ATM or cash back at a grocery store.

[TashaPosh]

Originally Posted by redguard57

Or you could go to McDonald's where its still $1.00.

Is it really only $1.00? Tho they still need to make sure they don’t sign for $1000.

[PacoMartin]

Originally Posted by k374

Well, this is WHY you NEVER use a debit card for any transaction, always use credit cards with solid protections.

With my credit card, I Receive an alert (e-mail or text) when a Transaction Exceeds Amount $200

In the past year, I have only 6 charges over $200, all of which were legitimate, You can choose a higher threshold amount if you regularly make charges in excess of $200.
05/05/20 JOES BATTERY & TIRE SERV $446.06
05/26/20 LEHIGH FUELS,$721.50
12/12/20 LEHIGH FUELS,$561.70
01/12/21 LEHIGH FUELS,$612.70
02/15/21 LEHIGH FUELS,$717.70
03/22/21 LEHIGH FUELS,$711.70

Is that feature not available on bank debit cards?

In this particular case, the woman may have received a receipt with the error, but if it was a case of true fraud then she may not have been given a receipt. But she would still receive the alert.

Average prices at PA starbucks Coffee drinks $2.07 to $5.88
Freshly Brewed Coffee Tall $2.07
Freshly Brewed Coffee Grande $2.35
Freshly Brewed Coffee Venti $2.74
Iced Coffee (with or without Milk) Tall $2.52
Iced Coffee (with or without Milk) Grande $2.97
Iced Coffee (with or without Milk) Venti $3.30
Iced Coffee (with or without Milk) Trenta $3.86
---
Caffe Latte Tall $3.30
Caffe Latte Grande $4.09
Caffe Latte Venti $4.65
Caffe Mocha Tall $3.86
Caffe Mocha Grande $4.65
Caffe Mocha Venti $5.21
White Chocolate Mocha Tall $4.20Iced Coffee (with or without Milk) Tall $2.52
Iced Coffee (with or without Milk) Grande $2.97
Iced Coffee (with or without Milk) Venti $3.30
Iced Coffee (with or without Milk) Trenta $3.86

White Chocolate Mocha Grande $4.98
White Chocolate Mocha Venti $5.32
Cinnamon Dolce Latte Tall $4.09
Cinnamon Dolce Latte Grande $4.76
Cinnamon Dolce Latte Venti $5.21
Skinny Vanilla Latte Tall $3.86
Skinny Vanilla Latte Grande $4.65
Skinny Vanilla Latte Venti $5.21
Caramel Macchiato Tall $4.20
Caramel Macchiato Grande $4.98
Caramel Macchiato Venti $5.32
Caramel Flan Latte Tall $4.20
Caramel Flan Latte Grande $5.10
Caramel Flan Latte Venti $5.32
Teavana® Oprah Cinnamon Chai Tea Latte Tall $4.09
Teavana® Oprah Cinnamon Chai Tea Latte Grande $4.76
Teavana® Oprah Cinnamon Chai Tea Latte Venti $5.21
Flat White Tall $4.20
Skinny Peppermint Mocha Tall $4.42
Skinny Peppermint Mocha Grande $5.21
Skinny Peppermint Mocha Venti $5.54
Pumpkin Spice Latte (Limited Time) Tall $4.76
Pumpkin Spice Latte (Limited Time) Grande $5.54
Pumpkin Spice Latte (Limited Time) Venti $5.88
Salted Caramel Mocha (Limited Time) Tall $4.76
Salted Caramel Mocha (Limited Time) Grande $5.54
Salted Caramel Mocha (Limited Time) Venti $5.88
Toasted Graham Latte (Limited Time) Tall $4.76
Toasted Graham Latte (Limited Time) Grande $5.54
Toasted Graham Latte (Limited Time) Venti $5.88
Frappuccino, Refreshers & Iced Coffee
Caramel Frappuccino Mini $4.20
Caramel Frappuccino Tall $4.42
Caramel Frappuccino Grande $4.98
Caramel Frappuccino Venti $5.54
Mocha Frappuccino Mini $4.20
Mocha Frappuccino Tall $4.42
Mocha Frappuccino Grande $4.98
Mocha Frappuccino Venti $5.54
Strawberries & Creme Frappuccino Mini $4.20
Strawberries & Creme Frappuccino Tall $4.42
Strawberries & Creme Frappuccino Grande $4.98
Strawberries & Creme Frappuccino Venti $5.54
Coffee Frappuccino Mini $3.30
Coffee Frappuccino Tall $3.64
Coffee Frappuccino Grande $4.42
Coffee Frappuccino Venti $4.98
Vanilla Bean Crème Frappuccino Mini $3.30
Vanilla Bean Crème Frappuccino Tall $3.64
Vanilla Bean Crème Frappuccino Grande $4.42
Vanilla Bean Crème Frappuccino Venti $4.98
Iced Caramel Macchiato Tall $4.20
Iced Caramel Macchiato Grande $4.98
Iced Caramel Macchiato Venti $5.54
Salted Caramel Mocha Frappuccino (Limited Time) Tall $4.76
Salted Caramel Mocha Frappuccino (Limited Time) Grande $5.54
Salted Caramel Mocha Frappuccino (Limited Time) Venti $5.88
--------------
Cool Lime or Very Berry Starbucks Refreshersâ„¢ Tall $3.30
Cool Lime or Very Berry Starbucks Refreshersâ„¢ Grande $3.86
Cool Lime or Very Berry Starbucks Refreshersâ„¢ Venti $4.42
Cool Lime or Very Berry Starbucks Refreshersâ„¢ Trenta $4.98
Teavana® Shaken Iced Tea Tall $1.96
Teavana® Shaken Iced Tea Grande $2.52
Teavana® Shaken Iced Tea Venti $2.97
Teavana® Shaken Iced Tea Trenta $3.30
Teavana® Shaken Iced Peach Green Tea Lemonade Tall $3.08
Teavana® Shaken Iced Peach Green Tea Lemonade Grande $3.64
Teavana® Shaken Iced Peach Green Tea Lemonade Venti $4.20
Teavana® Shaken Iced Peach Green Tea Lemonade Trenta $4.76
Teavana® Shaken Iced Black Tea Lemonade Tall $2.74
Teavana® Shaken Iced Black Tea Lemonade Grande $3.30
Teavana® Shaken Iced Black Tea Lemonade Venti $3.86
Teavana® Shaken Iced Black Tea Lemonade Trenta $4.42
Evolution Fresh Grande $6.66
Bakery
Ham & Cheese Savory Foldover $3.86
Wheat Spinach Savory Foldover $3.86
Pepperoni & Tomato Savory Foldover $3.86
Cheese Danish $2.74
Butter Croissant $2.74
Chocolate Croissant $3.08
Blueberry Scone $2.74
Banana Nut Bread $3.08
Iced Lemon Pound Cake $2.74
Morning Bun $2.74
Chocolate Chip Cookie $2.18
Double Chocolate Chunk Brownie $2.63
Pumpkin Scone (Limited Time) $3.30
Pumpkin Cream Cheese Muffin (Limited Time) $3.30
Washington Apple Pound Cake (Limited Time) $3.30
All-Day Breakfast
Hearty Blueberry Oatmeal $3.86
Bacon & Gouda Breakfast Sandwich $4.20
Sausage & Cheddar Breakfast Sandwich $3.86
Spinach & Feta Breakfast Wrap $4.20
Reduced-Fat Turkey Bacon Breakfast Sandwich $4.20
Slow-Roasted Ham & Swiss on Croissant Bun $5.32
Double-Smoked Bacon, Cheddar & Egg on Croissant Bun (Limited Time) $5.32
Lunch & Anytime Snacks
Protein Bistro Box $5.88
Cheese & Fruit Bistro Box $5.54
Omega-3 Bistro Box $6.66
PB&J on Wheat Bistro Box $5.88
Turkey Rustico Panini $7.22
Turkey Pesto Panini $7.22
Ham & Swiss Panini $6.66
Chicken Santa Fe Flatbread $6.66
Chicken BLT Salad Deli Sandwich $6.66
Roasted Tomato & Mozzarella Panini $6.22
Chicken Artichoke Panini (Limited Time) $7.22
Old-Fashioned Grilled Cheese $5.88
Edamame Hummus Wrap (Limited Time) $6.66
Thai-Style Peanut Chicken Wrap (Limited Time) $6.66
Salted Caramel or Birthday Cake Pop $2.18
Salted Caramel or Birthday Cake Pop 2 Pc. $3.92

[TashaPosh]

Originally Posted by PacoMartin

With my credit card, I Receive an alert (e-mail or text) when a Transaction Exceeds Amount $200

In the past year, I have only 6 charges over $200, all of which were legitimate, You can choose a higher threshold amount if you regularly make charges in excess of $200.

Is that feature not available on bank debit cards?

Ofc...it’s a withdrawal from your bank acct AND transfers too. So..you can set it up how you want on the app & set up your own minimums.

[CorporateCowboy]

Originally Posted by TashaPosh

Just like the woman & her coffee....it’s like it’s everybody’s fault but hers??? She signed it! If it was me....I would just be happy I got my money back. AND I’d be a little embarrassed at how I come across to fight or complain about it when I wasn’t watching what I did...JMO.

Well said! Unfortunately, there are those who don't care how (foolish) they look; they want to blame/bark at someone else. Bottom line (and relevant point being), the woman in OP's story has been made whole - despite her own negligence. It simply would not have happened had she looked at what she was signing-off on.

[redguard57]

Originally Posted by TashaPosh

Is it really only $1.00? Tho they still need to make sure they don’t sign for $1000.

McDs lowered the price of all their fountain drinks, including iced tea and hot or iced black coffee, any size, to $1.00. You still have to pay $3-4 for the blended coffees (milkshakes).

It was a good business decision because they were losing volume to competitors because of their low food quality, so the get more bodies in the doors & make more money selling cheaper drinks. Their gross price of a fountain drink or black coffee is around 15-20 cents.