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Well, this is WHY you NEVER use a debit card for any transaction, always use credit cards with solid protections. If she was using a credit card it would be cut and dry. Another mistake this woman made was to not verify the amount on the receipt. Always take your receipt and validate the amount. Then keep the receipt until you validate the amount online on your statement. I always verify all my transactions daily. It's super simple to do and takes literally few minutes.
Coffee shop admits the mistake, claims they have issued a refund.. Her bank, USAA, hasn't gotten a refund.
USAA gave her a credit, but it's been 3 months, no refund, they've rescinded the credit, however, they're reinstated it provisionally.
I see nothing that shows it was a debit card.. I couldn't get the vid to play either, so it might be said in there... This sounds like it was a credit card because a dispute would generally be the way a provisional credit would be issued.
Coffee shop admits the mistake, claims they have issued a refund.. Her bank, USAA, hasn't gotten a refund.
USAA gave her a credit, but it's been 3 months, no refund, they've rescinded the credit, however, they're reinstated it provisionally.
I see nothing that shows it was a debit card.. I couldn't get the vid to play either, so it might be said in there... This sounds like it was a credit card because a dispute would generally be the way a provisional credit would be issued.
Saw the video. Copy of the NSF notice makes it clear it's a checking acct debit card.
Well, this is WHY you NEVER use a debit card for any transaction, always use credit cards with solid protections. If she was using a credit card it would be cut and dry. Another mistake this woman made was to not verify the amount on the receipt. Always take your receipt and validate the amount. Then keep the receipt until you validate the amount online on your statement. I always verify all my transactions daily. It's super simple to do and takes literally few minutes.
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.
Last edited by CorporateCowboy; 03-22-2021 at 09:25 PM..
Reason: typo
Well, this is WHY you NEVER use a debit card for any transaction, always use credit cards with solid protections. If she was using a credit card it would be cut and dry. Another mistake this woman made was to not verify the amount on the receipt. Always take your receipt and validate the amount. Then keep the receipt until you validate the amount online on your statement. I always verify all my transactions daily. It's super simple to do and takes literally few minutes.
That's a great post. I never use a debit card or put in a pin number. My bank card is credit or debit and it's always the 'credit' transaction.
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.
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.
Not likely; if a retailer had 'zero tolerance' for (occasional) human error, there would be no one left to employ. :-)
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