Quote:
Originally Posted by baddog
No kidding.
I do not believe it for a minute. There is much more to this story. For instance, most places have a minimum purchase that must be made in order to pay with a credit card. It costs money to accept payments by cc.
Who the hell pays for a $.75 transaction with a credit card anyway?
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Believe it. Both Visa and Master Card stipulate that you cannot set a minimum purchase amount for transactions. Many stores will be unaware of this and try to go around it, but just file a complaint about them (through your own bank) and their merchant account will be in jeopardy.
Visa has this rule on their own website:
http://usa.visa.com/about_visa/ask_v....html#anchor_4
Last week I fought my bank over $400 in overdraft fees and won. I have two accounts and one had the money I wanted from the ATM and the other didn't. The ATM cards from for the two accounts look similar enough. I am not denying I made a mistake. I took the money out of the wrong account. I had until 8 PM to notice it and correct it, I logged in for something else at 8:03 and noticed it. They had already closed for the day. The account with only $18 left in available balance (actual balance was much higher) had 10 pending transactions posting and racked up 10 overdraft fees at $40 a pop.
I had to take it all the way to the Vice President of Communications and the executive assistant to the CEO but I got my money back.
One thing that may have helped me was email after email from my branch manager of her lying to me about things she said she did but never did. They all got forwarded to the people that matter.
The branch manager and her regional VP refused to give me anything back. That was changed to giving me everything but about $100 back. Ultimately, I pushed harder and got every penny back.
Mistakes happen. I made one. They make mistakes, too...they made one two weeks prior...they always double post shit to my account(s). I wish I could charge them $400 for a mistake.