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Jul 26, 2009 12:51 PM

Foodies and Credit Cards

I am asking for your opinion: Lunch at a less than memorable establishment with great friends that we have not seen for months. Friendship made the meal tolerable. I paid the check and add a generous tip. About 2-3 hours later, I happened to check my bank account. The bill which was $96.53 was withdrawn and a second withdrawal for $965.33. Certainly, I believed this to be a mistake that could be corrected by a simple review of the receipts from the last few hours and a quick chargeback. NOPE. After speaking to two managers at the restaurant, I learned that the waitress knew she made the error but decided not to tell me or bring me a copy of the voided charge. I have spent the last 24 hours attempting to have my monies redeposit into my account. I have spoken to 4-5 bank associates and the last person realized that this is crazy and put the money back on my account. I lost several hours on the phone, missed dinner plans, late to a play (that I thankfully paid for prior to this), late to morning meetings because I'm on hold with the bank, and stressed!! The whole incident left a bad taste in my mouth (and the food was not good enough for a return visit anyway) and enough anxiety to decrease my life expectancy by 1 month. What would you do at this point?

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    1. From the way you tell the story, sounds like you were using a [i]debit[/i] card instead of a credit card.

      Debit cards have some pretty big hazards, this one among them.

      2 Replies
      1. re: wayne keyser

        If you used a debit card, there is very little recourse. If you use a credit card, charge backs are pretty easy and fast.

        Always use a credit card for the consumer protection they offer.

        1. re: Sid Post

          I suspect it depends on your bank. My bank treats my debit card the same way it treats my credit card.

      2. the keys on the credit card doohicky. . . they stick sometimes. (gotta tell the staff esp cocktail servers not to touch it with sticky fingers).

        this error should have been caught by management when closing out everyone's tabs and doing the end of the evening paperwork, and corrected at that time before the charges were finalized. sounds like mgmt prefers to cover their own butts and throw the server under the bus in this instance. very unprofessional indeed. sucks for you of course-- my sympathies & hope it can be worked out quickly.

        1. I can understand the posting within hours, they probably did a batch run of all their CC receipts and yours was included. On the charge error, all you have to do is call the CC company and dispute the charge, the CC company will flag it and not authorize payment until resolved.

          1. what bank do you do business with?

            i'm a Bank of America customer and all disputed charges are immediately reversed and investigated by the bank. i've had to do this three times in the past two years and i've always gotten the call from BoA in a day or two telling me it was all set and settled in my favor.

            1 Reply
            1. re: ScubaSteve

              BoA is great about disputed charges. I've only had an issue one time, but had no problem getting the charges removed.