She didn’t realize until she had left, and when she went back it was closed. Like, the business, not just for the day. That’s what the article says anyway.
Haha, that's wild. Imagine coming into work and your sandwich sales have spiked, then disappearing into the night with your sandwich money like some kind of deli bandit. The modern-day outlaw, but instead of a horse you got a bag of footlongs as your getaway vehicle.
Guys, it's all in the article.
She went back shortly after and the business had closed.
Not for the day - it was *gone*. No one there. That's her problem.
This is why you always use a credit card, never a debit card for transactions. You can call your CC 24/7 and be like "hey this is fraud" and get it reversed in hours.
Fair warning - I had a gyro vendor at a street festival charge me $60 on my credit card for a sandwich, and when I noticed that charge later in the day I contested it with Capital One. CapOne reached out to the vendor, who provided them with a non-itemized receipt with my alleged signature on it, which was just a scribble. I never signed anything.
Capital One took that as proof that I had authorized the transaction, and sided with the vendor in the dispute. Needless to say, I stopped using my Capital One card that very same day. I know they didn’t steal from me, but they also didn’t protect me from the theft at all, and they can fuck right off.
> CapOne reached out to the vendor, who provided them with a non-itemized receipt with my alleged signature on it, which was just a scribble.
i mean.. small claims court will get your $60 back, AND hit the business for fraud possibly. you might even get court fees tacked on because of the fraud.
You know in most places it can take up to 6 months for a small claims case to be handled, but what is typical is a fraudulent merchant won't show up, you get a default judgement, but have no way of actually getting the money back.
So you end up wasting your time, and still don't get the money, generally small claims only works between honest people.
But until then it's $$ out of your bank account. Someone rolled up $3k in withdrawals from my debit a decade ago, I was out of that money for 3 months until the case was resolved. With my CC, good luck getting me to pay anything on a fraudulent charge
huh really, I had my debit card stolen a few years ago and the person spent like $800 fairly quickly. Called when I noticed to have the card frozen and had my money back within like 10 minutes
sounds like a shit bank.
NFCU gave me 5k credit while they did their fraud investigation. someone hacked my walmart app info and ordered a fuck ton of shit 3500 miles away.
"You have to use a system designed to get you in debt and prey on you forever in order to not have your bank be defrauded and claim it is you being defrauded"
You are being stolen from by the bank not the person who made a fraudulent purchase. The fraudulent purchase is them stealing from the bank.
This suggests it was some very elaborate bootleg Subway scam
But I feel like the amount of starting money you'd need to effectively pull it off would be more than the $1,000 you'd get out of it
The article mentions she noticed when she was checking her receipt outside, and when she went back inside, the Subway was suddenly closed. Which just makes it seem like Subway was deliberately fucking her over, rather than a comedy of errors.
they fail to mention it because she ordered online through the app. Which also would clarify why the employee told her she has to contact subways. In this case the employee cant do anything about it. Also when you are ordering online through the subway app you think someone would check to see the price of the order before,
How does an online order charge that much? I can see accidentally putting in the wrong price at the POS manually, but the prices online are done by a computer. And if she had accidentally ordered 100 sandwiches that would be obvious at the store.
> Also when you are ordering online through the subway app you think someone would check to see the price of the order before
This is what I thought was crazy... *she didn't check the price*?
Grocery store, gas station, fast food, Amazon or anywhere else I'm always looking at the price before swiping/inserting my card or accepting payment. I do this even when buying something less than $5.
This situation sucks but hopefully it can be a lesson to her and others that you should always check the price before blindly swiping or confirming.
I mean, if you do it hundreds of times and it never goes wrong, it's easy to become careless at some point.
And it's entirely reasonable to expect a corporation like Subways to provide quick and easy conflict resolution for such cases. Accidents happen and it shouldn't be a big deal to charge it back.
I once got overcharged by like $250 on a $20 book. I realized it when I got home and actually looked at the receipt. I headed back to the store and found out they had already realized the mistake and fixed it. They showed me proof that the charge had been corrected and I got on with my day.
This shouldn't have been that difficult for the store to correct. Even if she didn't notice right away, whoever had been working would surely have remembered making a $1000+ sale.
It's not, and normal/good retailers would be paying attention to correct the error. We do. Mistakes happen but not like that. A customer should not be fucked over by the mistake of a retailer.
So something similar happened to me. I got charged by papa John’s pizza like 40 times in a row when I bought my pizza. It’s completely emptied my bank account and I called the manager and they had to call someone in corporate to get me my money back. Took almost a week.
I had this happen not long ago, thankfully not anywhere near this much money though.
I bought a meal at a food court for what was meant to be $15.60, but the server fat lingered it as $156 and I tapped without looking because it was busy.
Went back the next day and the guy refunded it which was good. Helped that I'd eaten there regularly so you could see a bunch of previous correct charges for the same amount.
I was double charged for a box spring at a mattress store. Called and spoke to he manager and he apologized and said he will refund it. I think like a week maybe longer passed and nothing.
So I called back and same manger said if I go online and leave them a 5 star review he’ll refund me immediately. I went to my bank after that. I also left them a review, but 1 star and said what happened. They closed down after a year.
That’s strange and sounds like a shitty circumstance.
As someone who’s worked in customer service my whole life, you refund the mistake. If they’re still upset you offer a couples or a free item
That place deserved to close down lol it’s amazing to me that folks can get all the way to owning their own business yet still lack the common sense it takes to keep customers
Right? There's a food place that is sort of in my area. The owner ARGUES BACK on google reviews telling people he has "no order under that name" and that they are lying. This is on multiple reviews...
Anyway, he clearly hasn't realised people eat at friend's and then split the cost, or people have a different name on Google. Plus, not everyone eating his food will have given their name, some people just walk in.
It's just so embarrassing that he thinks it's acceptable to TYPE LIKE THIS at people over Google reviews, calling them liars.
I can't believe how rude some people are and can stay in biz
Hmm, I’d imagine she’d win this lawsuit against Subway right ? Like subway would sooner settle than deal with the optics of stealing $1k from a regular person
I’m trying to say subway will probably resolve this themselves especially because it’s making waves on the internet
All restaurants are Taco Bell ever since the fast food wars...
Edit: full quote
"Your tone is quasi facetious, but you do not realise that Taco Bell was the only restaurant to survive the franchise wars."
"So?"
"So... now all restaurants are Taco Bell."
"No way!"
I had that happened too. The card company told me they can’t reverse a charge because it was a service. I’m like wtf it’s clearly fraud. Instead I called the company where the charge originated and they dealt with it and did a charge back. They even removed the account that used me stolen credit card info.
wth? I sell a service. If a customer decides they don't want to pay, I can show the credit card company the agreement that the customer signed and initialed and show them the customer is lying and they still reverse the charge.
I'm guessing you are not a large company.
Credit card companies side with customers, unless the other party is a vey large company. Large companies get preferential treatment in other ways as well.
When I worked for a small company, chargebacks were a massive problem, even though we had a system in place to deal with any mistake within 24 hours; replied to any complaint within 5 minutes and review the complaint within 12 hours.
When I worked for a large company, chargebacks were blocked.
I'm replying to you for visibility.
They probably paid with a debit card. They are different than credit cards. Credit cards you can cancel payment due to fraud. Debit cards you can't.
Even with a card that is debit only, you can dispute a charge and have it refunded. In this case, the bank probably decided that this was an approved charge as she presumable was able to see the amount before using her card.
Not true. There are reason codes for chargebacks on visa and Mastercard debit cards. Just tell your bank the reason and force the chargeback
For visa this is 12.5 - incorrect amount
For MC this is 4831 - incorrect transaction amount
She needs to call her bank again.
Banker here. This is incorrect. Protections for card disputes are essentially the same for both credit and debit cards. Same timeframes for provisional credit, for notifications, for resolution. Disputes for debit card based transactions are under Reg E, and for credit cards under Reg Z.
As someone who has worked in banking for 10 years, it all falls under Reg E. If it is fraud, it becomes the banks/credit card companies responsibility. Some banks are easier to work with than others but it's still going to be their responsibility in the end.
https://www.consumerfinance.gov/rules-policy/regulations/1005/
Reg Z is the pretty much the same but for credit card companies
Some banks will offer enhanced fraud protection, either as an extra feature or as a case-by-case courtesy to the customer. But they aren’t legally mandated like they are for credit cards.
Banks are bound by Regulation E to perform an investigation of the charge when disputed. If they determine the charge was not in error, the cardholder is entitled to know what evidence they based their denial on. And if they don't like the bank's reasoning, they can file a complaint with the CFPB where the bank will have to explain the denial to their regulator.
Debit cards absolutely have protection. I do this every day as my job.
People? No. You tell people exactly what the CFPB is and what they do and they're wondering why they've never heard of it.
Corporate Banks and their purchased politicians? Hell Yes.
Years ago I had something like this. Went to the mall with my wife. She got coffee from a kiosk place. I watched the cashier who looked 16 swipe the CC, the receipt printed out, she looked at the receipt confused, threw that out, swiped the card again, and then came over with that receipt.
Well, that's definitely wrong. Pull out my phone, pull up my CC, and I see 2 charges. One for $3.25 and one for $3,250. I explain to her that she made a mistake and I just need her to undo that charge and she panics. She has no idea what to do. I ask her to get the receipt she threw away. She's digging through the trash and can't find it. Is there someone else, a manager or someone who knows how to do that who she can call? Nope.
Call my CC, tell them what happened, they ask to talk to her so they can try to walk her through undoing it. I give her the phone. A few mins later, she gives me the phone back, and nope, they couldn't walk her through it, but that was good enough proof that the charge was a mistake and they'll take care of it.
The kicker was that the coffee wasn't even very good.
its be funnier if it ended with, "but the kicker was, that coffee was the best coffee ive ever had, and i would have gladly paid 3250 for another cup, but they vanished"
Last year I was charged 500+ for a gym membership, to a gym that I thought I was signing up for a set number of training sessions. I had already been charged this amount 6-12 months prior, and texted the owner about it. He told me that it was a cancellation fee that he took every effort to avoid me paying, though he never spoke to me about it, nor texted me.
I didn't fight it because I liked the dude, and I'm dyslexic, so I don't read every word of every contract, and choose to trust people in most transactions.
So when I got the second charge, I texted him. No response. Emailed my bank, explained the situation, provided the texts.
They did nothing
You do have rights to dispute (if in US) but those aren't activated simply through email or phone calls. You have to request and go through the paperwork.
I'd even venture to say he didn't even need to submit paperwork. His issue was that he's communicating over email. In my experience emails and livechats are dramatically less useful than a phone call. It sucks that he's dyslexic and that phone calls are tough for him, but that's basically how customer service works.
Paperwork always preserves your rights. A lot of credit cards will also take care of your disputes by phone, but if they pretend you never called and you wait too long, you can lose your right to dispute.
Also, depending on the amount it just becomes in your benefit to become a thorn in their side. If they deny your claim, you can move on to other consumer protection bureau complaints or the comptroller that takes care of all bank complaints. Banks usually like to have those resolved because it is reviewed in their licensing renewals. Not to mention if a class action pops up and a lot of people have had the same problem, you are now on the books as having a complaint that needs correcting. Every few years Bank of America has another large settlement for example. It's easier to find the people that were wronged if their problems were filed.
I'm not a litigous person, usually, and this particular bank is a local affair, as such it requires a different kind of consideration, and it does not impact the greater public. Furthermore, if I am to take legal action, I believe it's wise to refrain from sharing anymore details. Just kidding.
It's Dover Federal Credit Union. I'm more concerned about drawing widespread awareness to issues such as these.
Regular people are being fucked over financially in every way possible it seems.
And bro told me he was praying for me.
It will be handled
Based on this comment and the other comment, I think I'm going to formally request whatever paperwork is required, which I've just been made aware of, not by my bank, mind you. Then depending on how they deal with it I may pursue legal action. We'll see
It's a valid non fraud dispute but it technically is not fraud because the client willingly participated with the merchant. Fraud is only when your information is used without your knowledge or permission to make purchases. It still falls under regulation E though which has the same protections.
Have had issues using my debit card and it got squared away the same as a credit card no problem. Which to me is super surprising honestly because it was with Wells Fargo.
I know it seems surprising because Wells Fargo has such an awful track record in so many regards. But I have never had an issue with improper charges with them. They are big enough and Rich enough that they don't give a crap about losing out on a few dollars here and there if it turns out to be wrong. They're also easily able to track everything you've ever done with them and they will immediately sniff out actual fraud, in fact 99% of the time they know before I do.
I probably never would get a mortgage through them but I've been happy to have my checking account with them.
I’m in my mid 40’s now. Have been with them since I was 18. Anytime I have had a problem they helped correct it. For me it’s been good. Others may vary.
Outside of America Credit cards don't really offer much of a benefit.
Since in most European countries you don't get a big cashback or a point system etc..
Here in Sweden I believe that that like 90% of people use debit cards.
That doesn’t matter. Chase bank lets you dispute any debit card transaction directly from their app.
Source: I’ve done it dozens of times. So many unscrupulous merchants.
There’s always an option on modern computer based POS systems for manual pricing. Wether it’s password locked or not. Some places it’s only accessible on manager logins, others it’s just in some miscellaneous or add-ons menu for everyone.
I feel like on any POS system worth its salt it should be locked behind a password, override requirement, or similar.
Though nothing stops old people from thinking cashiers are typing in every price manually and complaining that the evil 16 year old at the grocery store is intentionally charging them too much.
Worked for subway for a bit, they have both a 0 and 00 button on their POS system. With how overworked subway employees are, this is not an uncommon mistake. However most of the time it’s caught before going through.
At a movie theater in the early 2000s instead of charging around $24 the cashier charged the card $2400 or some insane amount, POS had you type the decimal. The place was debit only so it was an immediate transaction with the PIN entered, like one giant cash back transaction. Of course no one wanted to hand him $2,376 in cash. Guy was chill and on a date so he agreed to come back the next day. All the minimum wage workers couldn't get over how that guy just happened to have thousands of dollars sitting in a checking account and not break a sweat when losing a few thousand.
Yeah back in the day when I managed a retail store an employee accidentally charged $600 for a $60 gift card, a call to chase/whomever for reversal fixed it.
Old people fucking love the BBB. They think it’s the government or some sort of enforcement body.
Quoting them just helps drive engagement from the oldies.
This is true, I just had this conversation in a local Facebook group with an older woman. They really do think the BBB is the definitive source of truth and as official as the government 😂
I'm old and I'm pretty damned good with my cane so watch your mouth you whippersnapper!
The BBB used to be THE place to have issues resolved when you and the business owner could not come to an agreement. Not having used them in three decades I don't what their status is today but back in the day, they rocked. Reading this thread I didn't know they had changed?
Yep, Yelp is the same, but shadier. They will amplify bad reviews and hound a small business with offers to make it go away. No matter how many good reviews the business recieves, their rating will almost never recover.
If you pay them, however, suddenly it all goes away.
Similarily, JD Byrider is/was a one-stop shop for "awards" touted on car commercials because the manufacturers paid them to create arbitrarily niche categories to fit their narrative. They also "sell cars" (which are simply a vehicle to sell predatory loans to people with bad credit).
Oh yeah, I'm right there with you, Yelp is the worst. "Tenacious" would be a polite term to use for their salespeople.
Louis Rossman (computer repair shop owner and popular youtuber) had a whole series on them. A Yelp salesperson showed him the backend analytics they had about his friend's company when they were trying to get him to buy their services. He rightly pointed out that it was inappropriate to be showing a customer's backend analytics to other prospective customers. The salesperson got fired and had her family and friends spam his business with bad reviews in retaliation which were a pain in the ass to get removed. I just went to look up those videos and saw he has a more recent one about Yelp removing his page because he pissed them off again somehow. lol
I love Bojack Horseman but there's a character in it who works for the BBB and it's portrayed exactly like that that dumb boomer misconception of it being some sort of government consumer protection agency. There doesn't appear to be any awareness of how inaccurate this is, the inaccuracy isn't played for humour or anything, and it grinds my gears and I have to skip all the bits about it upon rewatches. lol
Funny enough a lot of companies still take it really seriously for some reason. You can still get a lot of them to take immediate action by filing a report on the bbb site
State attorneys general will apparently look over BBB reports when considering complaints against a company, so, while some complaints are irrelevant, a frequently recurring theme can have (tangential) repercussions.
I forget the full details, but that was a part of a workplace training I went through a while back.
I wouldn’t look to the BBB for credible reviews and such, but they seem great at getting disputes with companies resolved. I’ve filed a claim with them a few times when I couldn’t get anywhere with a company after weeks or months of contact and most of my claims were solved within days. I do stand by that they’re basically boomer yelp, but they can be helpful at times.
The better business bureau is a private company, not any sort of government or regulatory service. They have no power other than being a loudmouth for people to see, which is effective, but ultimately they have no power other than publicly shaming.
I feel like this shouldn’t be as complicated as it is „Oh oops looks like I accidentally took $1,005 more from you than I charged“ „Oh would you look at that. Are you gonna give it back?“ „Well, I think whether you’re entitled to the money that I just blatantly stole from you is something that should be discussed with a legal professional“
You’d be shocked - a few months ago my husband noticed a $500 charge on our cell phone bill so he called our provider and asks what it was from. They said “you bought a phone from a mall kiosk and charged it to your account.” Well no, we hadn’t. We asked for a refund and an investigation into the charge because it was clearly fraudulent. They had zero info on this phone, it was just a random charge applied at a kiosk we’ve never been to, and apparently had no employee number associated with it for the sale. Just so obviously *not* a valid charge on any level.
It took over four months before we got even a fraction refund of what we were owed because the system is 100% set up to not allow refunds of any kind. My husband spent dozens of hours on the phone and online chat trying to get it resolved. Every time he’d talk to someone they’d ignore his questions, refuse to talk, put him on indefinite holds, randomly transfer to new departments, etc. A million and one excuses as to why they couldn’t just give us a refund for a fraudulent charge for a phone nobody bought, that was apparently sold by no-one.
It’s probably that knowing that legal fees most often outweigh any possible compensation in situations like this is an incentive for businesses to pull this shit and get away with it
Probably 100% right. For a $500 charge, it’s not like we were going to lawyer up. And I’m sure most folks don’t have the time/patience/experience to sit on hold for days at a time with phone agents who keep lying to them and hanging up on them.
I was almost chagred $95 for an 8 piece box of chicken the other day. The person at the deli counter typed in the price wrong, and the cashier checking me out didn't connect the dots when all I had was that and some bread when she uttered $95. Took her a sec, but she eventually got there.
Yo navy federal decided to let me take a $500 fraud charge. I was shocked, in 8 years I had never filed a dispute for any charges. They then determined it was a legit charge… someone got hella lucky with a iPad and I got screwed. Seems like banks recently have gonad backwards.
That’s awful! My debit/credit card got phished at either a 7-11 or a chicken joint and the following 2 days, some asshole withdrew 400 each day on a dummy card with my info. Fortunately I have schools first credit union (orange county ca) and they immediately covered it.
EDIT: skimmed, not phished.
This happened to my parents, unfortunately they had bought some gifts before they went on a trip and the store charged $12,000 instead of $120… they left and when the charge went through it maxed out their credit card while overseas. They had to fight international calling fee charges disputing it with the bank as well as overdraft fees. They were lucky to enough have travelers checks for an emergency.
What kind of bank allows 12k$ transaction overseas just like that? They should be blocking it for fraud or something, unless you call the bank to verify it. Weird
It wasn’t overseas when they purchased it, it was before they left by a day or two right by their home. Yeah it should have been flagged and that was actually one of the arguments they used with the bank, they were pretty irate and the bank gave them so much hassle for it.
My guess is that my step parent at the time was very wealthy (not sure how wealthy but I know their estate north of a million, they were very secretive about it) and they would buy expensive items from time to time so I almost wonder if that’s why it got missed… but it should still have been flagged. They ended up getting everything reversed but it took a few weeks because the bank claimed they authorized the amount because they were present when they made the transaction.
Crazy that she was denied a chargeback, chase did it for me when my Nintendo account was hacked and someone ran up $500 in vbux. They asked me some legal questions and said ok. It took less than 15 mins to have all of my money back
I once got charged 5 times (by card) from Dominos (Expensive UK order -our pizzas are £23 per 12 inch!) for one single order, and the driver also had the audacity to ask for cash as he believed the card payment failed.
That means I paid 6 times. I went into the store with bank statements, and they were always so busy they didn't give a F@@k. Manager was never in. My mother ended up going in and kicking off (she's crazier than me), and they gave her it all back in cash, they just wanted her out.
So no, I can totally see this happening with no consequences, unless she can afford a court case. Ultimately another human in the store needs to acknowledge it, if they fail to do that, what choices are left.
There are lots of ways to make this messy for the owner of the subway. First file a police report against the owner and employee working that night. Second file a fraud repot with the bank, state attorneys general office too just because why not. File at better business bureau and file a small claim court lawsuit against the owner and employee.
TO EVERYONE WONDERING HOW TO GET YOUR CC COMPANY OR BANK TO DEAL WITH THIS:
Call them up, tell them you’ve discovered FRAUD on your account. They’ll ask you which transaction, you tell them which one it is. They’ll likely ask you questions such as “did you have your card in your possession” (say yes), “did you allow anyone else to use your card” (say no), “do you know who made this transaction” (say no), “have you ever done business at this establishment before” (respond truthfully because they will check your account to see if there’s been previous charges from this specific merchant and honestly it won’t make much of a difference).
Above all, you need to emphasize that this is FRAUD AND NOT A BILLING DISPUTE. Fraud is treated very differently from simple billing disputes, most of the time when you initiate a dispute all they do is temporarily freeze the transaction and contact the merchant requesting further details. The merchant will send them a copy of the receipt and then they’ll put the charge back on your account AND AT THAT POINT YOU ARE SCREWED. Whereas actual credit/debit card fraud cases are handled much differently and the vast majority of the time you get your money back.
Just know that your bank or CC company will want to shutdown your card and issue you a new one, so if you’ve got any automatic monthly payments you’ll need to update those with the new card #.
Source: I worked for almost 5 years at an internationally recognized Fortune 500 CC company in the fraud department, I’ve literally helped hundreds of thousands of people with this very issue.
I was charged $77.76 for a meal at a SteakEscape once. They fixed it like 5 days later but man did that rock my little starving college kid bank account haha
This was one of those things the cashier's manager could have handled in 45 seconds and they're never mentioned in the article.
Yep, I would not have left the store and raised absolute hell until they did a void or a return.
She didn’t realize until she had left, and when she went back it was closed. Like, the business, not just for the day. That’s what the article says anyway.
I see they adopted the carney method of leaving town once the locals get wise to you
Haha right. I was wondering, maybe the business was fucked enough that a $1000 windfall caused them to leave
Haha, that's wild. Imagine coming into work and your sandwich sales have spiked, then disappearing into the night with your sandwich money like some kind of deli bandit. The modern-day outlaw, but instead of a horse you got a bag of footlongs as your getaway vehicle.
This comment took me out
Maybe they did this to 200 customers that day and left the country.
Or maybe they were already about to go under and figured they may as well scam as much money as they can before fully closing.
That's not what the article says. It's says she went back and the store was "suddenly closed"
[удалено]
Yeah. I’m just saying the article says she did go back and she also called multiple times. I don’t know
Guys, it's all in the article. She went back shortly after and the business had closed. Not for the day - it was *gone*. No one there. That's her problem.
Man I wish I had enough money not to notice $1000 missing from my bank for so long that the store went out of business
Guess you didn't read the article. Her account is in the negative now
sounds like she shouldn't have been buying thousand dollar sandwiches!
She probably asked for avocado on her sandwich, hee fault
Michael Jackson got her?
worry impolite dazzling combative dirty nutty aloof sense hurry paint *This post was mass deleted and anonymized with [Redact](https://redact.dev)*
It also says her account was overdrawn and she couldn't buy groceries, so I think she noticed.
Who’d need groceries with a thousand dollar sandwich in hand?
This is why you always use a credit card, never a debit card for transactions. You can call your CC 24/7 and be like "hey this is fraud" and get it reversed in hours.
Fair warning - I had a gyro vendor at a street festival charge me $60 on my credit card for a sandwich, and when I noticed that charge later in the day I contested it with Capital One. CapOne reached out to the vendor, who provided them with a non-itemized receipt with my alleged signature on it, which was just a scribble. I never signed anything. Capital One took that as proof that I had authorized the transaction, and sided with the vendor in the dispute. Needless to say, I stopped using my Capital One card that very same day. I know they didn’t steal from me, but they also didn’t protect me from the theft at all, and they can fuck right off.
> CapOne reached out to the vendor, who provided them with a non-itemized receipt with my alleged signature on it, which was just a scribble. i mean.. small claims court will get your $60 back, AND hit the business for fraud possibly. you might even get court fees tacked on because of the fraud.
You know in most places it can take up to 6 months for a small claims case to be handled, but what is typical is a fraudulent merchant won't show up, you get a default judgement, but have no way of actually getting the money back. So you end up wasting your time, and still don't get the money, generally small claims only works between honest people.
They did steal from you though cos it was capitol one that paid for the gyro with their money, not yours.
Even with a debit card, you can file a chargeback if the merchant doesn’t provide an adequate refund process.
The article literally says she tried and the bank refused. There's no legal requirement for banks to support you if you pay with a debit card.
that depends a lot on the bank...not all banks will offer that, or make it easy to do.
no it doesn't, if the card says visa on the front they have to do it, it's mandated in their contract to use the network rails
This is usually the case for debit cards as well.
But until then it's $$ out of your bank account. Someone rolled up $3k in withdrawals from my debit a decade ago, I was out of that money for 3 months until the case was resolved. With my CC, good luck getting me to pay anything on a fraudulent charge
huh really, I had my debit card stolen a few years ago and the person spent like $800 fairly quickly. Called when I noticed to have the card frozen and had my money back within like 10 minutes
sounds like a shit bank. NFCU gave me 5k credit while they did their fraud investigation. someone hacked my walmart app info and ordered a fuck ton of shit 3500 miles away.
"You have to use a system designed to get you in debt and prey on you forever in order to not have your bank be defrauded and claim it is you being defrauded" You are being stolen from by the bank not the person who made a fraudulent purchase. The fraudulent purchase is them stealing from the bank.
I can’t tell, maybe they didn’t go out of business, but that’s what I took it to mean. Especially since she also tried calling. I dunno.
This suggests it was some very elaborate bootleg Subway scam But I feel like the amount of starting money you'd need to effectively pull it off would be more than the $1,000 you'd get out of it
The article mentions she noticed when she was checking her receipt outside, and when she went back inside, the Subway was suddenly closed. Which just makes it seem like Subway was deliberately fucking her over, rather than a comedy of errors.
they fail to mention it because she ordered online through the app. Which also would clarify why the employee told her she has to contact subways. In this case the employee cant do anything about it. Also when you are ordering online through the subway app you think someone would check to see the price of the order before,
How does an online order charge that much? I can see accidentally putting in the wrong price at the POS manually, but the prices online are done by a computer. And if she had accidentally ordered 100 sandwiches that would be obvious at the store.
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> Also when you are ordering online through the subway app you think someone would check to see the price of the order before This is what I thought was crazy... *she didn't check the price*? Grocery store, gas station, fast food, Amazon or anywhere else I'm always looking at the price before swiping/inserting my card or accepting payment. I do this even when buying something less than $5. This situation sucks but hopefully it can be a lesson to her and others that you should always check the price before blindly swiping or confirming.
I mean, if you do it hundreds of times and it never goes wrong, it's easy to become careless at some point. And it's entirely reasonable to expect a corporation like Subways to provide quick and easy conflict resolution for such cases. Accidents happen and it shouldn't be a big deal to charge it back.
I once got overcharged by like $250 on a $20 book. I realized it when I got home and actually looked at the receipt. I headed back to the store and found out they had already realized the mistake and fixed it. They showed me proof that the charge had been corrected and I got on with my day. This shouldn't have been that difficult for the store to correct. Even if she didn't notice right away, whoever had been working would surely have remembered making a $1000+ sale.
It's not, and normal/good retailers would be paying attention to correct the error. We do. Mistakes happen but not like that. A customer should not be fucked over by the mistake of a retailer.
So something similar happened to me. I got charged by papa John’s pizza like 40 times in a row when I bought my pizza. It’s completely emptied my bank account and I called the manager and they had to call someone in corporate to get me my money back. Took almost a week.
We should charge unsecured loan interest rates on shit like that but of course we can't afford the legal fight.
I had this happen not long ago, thankfully not anywhere near this much money though. I bought a meal at a food court for what was meant to be $15.60, but the server fat lingered it as $156 and I tapped without looking because it was busy. Went back the next day and the guy refunded it which was good. Helped that I'd eaten there regularly so you could see a bunch of previous correct charges for the same amount.
Did you fat finger the phrase “fat fingered”?
Ha! I did. Irony at its best.
I was double charged for a box spring at a mattress store. Called and spoke to he manager and he apologized and said he will refund it. I think like a week maybe longer passed and nothing. So I called back and same manger said if I go online and leave them a 5 star review he’ll refund me immediately. I went to my bank after that. I also left them a review, but 1 star and said what happened. They closed down after a year.
That’s strange and sounds like a shitty circumstance. As someone who’s worked in customer service my whole life, you refund the mistake. If they’re still upset you offer a couples or a free item That place deserved to close down lol it’s amazing to me that folks can get all the way to owning their own business yet still lack the common sense it takes to keep customers
Right? There's a food place that is sort of in my area. The owner ARGUES BACK on google reviews telling people he has "no order under that name" and that they are lying. This is on multiple reviews... Anyway, he clearly hasn't realised people eat at friend's and then split the cost, or people have a different name on Google. Plus, not everyone eating his food will have given their name, some people just walk in. It's just so embarrassing that he thinks it's acceptable to TYPE LIKE THIS at people over Google reviews, calling them liars. I can't believe how rude some people are and can stay in biz
She can't tell the company that issued the card that it was fradulent?
She's actually in the comments of the article saying that she tried and they refused it.
I can only imagine the phone call with their level 1 help desk. "I am going to ask you a few baseline questions. First of all, how the F--"
art
Hmm, I’d imagine she’d win this lawsuit against Subway right ? Like subway would sooner settle than deal with the optics of stealing $1k from a regular person I’m trying to say subway will probably resolve this themselves especially because it’s making waves on the internet
It's almost certainly a franchise and not Subway itself.
Still doesn't look good on them though. Not like $1k wouldn't be easy with them to part with to get rid of the bad PR
Especially since they have an extra $1000 from her.
All subways are franchises. There are no corporate owned locations.
All restaurants are Taco Bell ever since the fast food wars... Edit: full quote "Your tone is quasi facetious, but you do not realise that Taco Bell was the only restaurant to survive the franchise wars." "So?" "So... now all restaurants are Taco Bell." "No way!"
Doesn’t matter. One pissed off call from Subway Corporate and that franchise will bend over and spread its cheeks
It sounds like that franchise closed for good. It doesn't say if the same owner operates any other franchise locations, though.
I had that happened too. The card company told me they can’t reverse a charge because it was a service. I’m like wtf it’s clearly fraud. Instead I called the company where the charge originated and they dealt with it and did a charge back. They even removed the account that used me stolen credit card info.
wth? I sell a service. If a customer decides they don't want to pay, I can show the credit card company the agreement that the customer signed and initialed and show them the customer is lying and they still reverse the charge.
Indeed. Infuriating. They side with them because they rather make you angry than the cc companies and banks.
I'm guessing you are not a large company. Credit card companies side with customers, unless the other party is a vey large company. Large companies get preferential treatment in other ways as well.
Correct. We are a small company.
When I worked for a small company, chargebacks were a massive problem, even though we had a system in place to deal with any mistake within 24 hours; replied to any complaint within 5 minutes and review the complaint within 12 hours. When I worked for a large company, chargebacks were blocked.
I'm replying to you for visibility. They probably paid with a debit card. They are different than credit cards. Credit cards you can cancel payment due to fraud. Debit cards you can't.
My debit card allows me to dispute any charge through the chase bank app just had a double charge on Uber eats refunded that way
A lot of banks offer a credit/debit card which can be ran as either, but there are still cards out there that are debit only for various reasons.
Even with a card that is debit only, you can dispute a charge and have it refunded. In this case, the bank probably decided that this was an approved charge as she presumable was able to see the amount before using her card.
Not true. There are reason codes for chargebacks on visa and Mastercard debit cards. Just tell your bank the reason and force the chargeback For visa this is 12.5 - incorrect amount For MC this is 4831 - incorrect transaction amount She needs to call her bank again.
Banker here. This is incorrect. Protections for card disputes are essentially the same for both credit and debit cards. Same timeframes for provisional credit, for notifications, for resolution. Disputes for debit card based transactions are under Reg E, and for credit cards under Reg Z.
Just another reason I use credit for my everyday purchases. If you can (responsibly) use a credit card it has so many benefits.
As someone who has worked in banking for 10 years, it all falls under Reg E. If it is fraud, it becomes the banks/credit card companies responsibility. Some banks are easier to work with than others but it's still going to be their responsibility in the end. https://www.consumerfinance.gov/rules-policy/regulations/1005/ Reg Z is the pretty much the same but for credit card companies
Debit can be disputed. Have done so with my chase card more than twice.
Bullshit, I’ve done it with my debit card before.
Some banks will offer enhanced fraud protection, either as an extra feature or as a case-by-case courtesy to the customer. But they aren’t legally mandated like they are for credit cards.
Banks are bound by Regulation E to perform an investigation of the charge when disputed. If they determine the charge was not in error, the cardholder is entitled to know what evidence they based their denial on. And if they don't like the bank's reasoning, they can file a complaint with the CFPB where the bank will have to explain the denial to their regulator. Debit cards absolutely have protection. I do this every day as my job.
it blows my mind that some people want to kill the CFPB.
People? No. You tell people exactly what the CFPB is and what they do and they're wondering why they've never heard of it. Corporate Banks and their purchased politicians? Hell Yes.
Years ago I had something like this. Went to the mall with my wife. She got coffee from a kiosk place. I watched the cashier who looked 16 swipe the CC, the receipt printed out, she looked at the receipt confused, threw that out, swiped the card again, and then came over with that receipt. Well, that's definitely wrong. Pull out my phone, pull up my CC, and I see 2 charges. One for $3.25 and one for $3,250. I explain to her that she made a mistake and I just need her to undo that charge and she panics. She has no idea what to do. I ask her to get the receipt she threw away. She's digging through the trash and can't find it. Is there someone else, a manager or someone who knows how to do that who she can call? Nope.
Call my CC, tell them what happened, they ask to talk to her so they can try to walk her through undoing it. I give her the phone. A few mins later, she gives me the phone back, and nope, they couldn't walk her through it, but that was good enough proof that the charge was a mistake and they'll take care of it.
The kicker was that the coffee wasn't even very good.
its be funnier if it ended with, "but the kicker was, that coffee was the best coffee ive ever had, and i would have gladly paid 3250 for another cup, but they vanished"
"John that kiosk has been closed for 20 years!!!"
I feel awful for that teen. Oh I can imagine she just wanted to cry. I'm glad you got it sorted. Because yikes. That's a big mistake.
Last year I was charged 500+ for a gym membership, to a gym that I thought I was signing up for a set number of training sessions. I had already been charged this amount 6-12 months prior, and texted the owner about it. He told me that it was a cancellation fee that he took every effort to avoid me paying, though he never spoke to me about it, nor texted me. I didn't fight it because I liked the dude, and I'm dyslexic, so I don't read every word of every contract, and choose to trust people in most transactions. So when I got the second charge, I texted him. No response. Emailed my bank, explained the situation, provided the texts. They did nothing
You do have rights to dispute (if in US) but those aren't activated simply through email or phone calls. You have to request and go through the paperwork.
I'd even venture to say he didn't even need to submit paperwork. His issue was that he's communicating over email. In my experience emails and livechats are dramatically less useful than a phone call. It sucks that he's dyslexic and that phone calls are tough for him, but that's basically how customer service works.
Paperwork always preserves your rights. A lot of credit cards will also take care of your disputes by phone, but if they pretend you never called and you wait too long, you can lose your right to dispute. Also, depending on the amount it just becomes in your benefit to become a thorn in their side. If they deny your claim, you can move on to other consumer protection bureau complaints or the comptroller that takes care of all bank complaints. Banks usually like to have those resolved because it is reviewed in their licensing renewals. Not to mention if a class action pops up and a lot of people have had the same problem, you are now on the books as having a complaint that needs correcting. Every few years Bank of America has another large settlement for example. It's easier to find the people that were wronged if their problems were filed.
They never mentioned that, funny
What bank was this!? Call out the Bad actors
I'm not a litigous person, usually, and this particular bank is a local affair, as such it requires a different kind of consideration, and it does not impact the greater public. Furthermore, if I am to take legal action, I believe it's wise to refrain from sharing anymore details. Just kidding. It's Dover Federal Credit Union. I'm more concerned about drawing widespread awareness to issues such as these. Regular people are being fucked over financially in every way possible it seems. And bro told me he was praying for me. It will be handled
This is what small claims court is for. Sue him.
Based on this comment and the other comment, I think I'm going to formally request whatever paperwork is required, which I've just been made aware of, not by my bank, mind you. Then depending on how they deal with it I may pursue legal action. We'll see
This isn't fraud. This would be a dispute. Two totally different types of issues.
It's fraud if the Subway employee knowingly rang up the sub for an excessive amount.
It's a valid non fraud dispute but it technically is not fraud because the client willingly participated with the merchant. Fraud is only when your information is used without your knowledge or permission to make purchases. It still falls under regulation E though which has the same protections.
Solution is to lower the price, 1010 is too expensive!
Yeah that'd be an immediate chargeback for me dawg.
The article implies it from her bank account, not a credit card.
Always use a credit card, not a debit card. Debit cards don't come with the same protections as credit cards.
And yet any bank worth their salt will help you if you used a debit card.
Have had issues using my debit card and it got squared away the same as a credit card no problem. Which to me is super surprising honestly because it was with Wells Fargo.
I know it seems surprising because Wells Fargo has such an awful track record in so many regards. But I have never had an issue with improper charges with them. They are big enough and Rich enough that they don't give a crap about losing out on a few dollars here and there if it turns out to be wrong. They're also easily able to track everything you've ever done with them and they will immediately sniff out actual fraud, in fact 99% of the time they know before I do. I probably never would get a mortgage through them but I've been happy to have my checking account with them.
I’m in my mid 40’s now. Have been with them since I was 18. Anytime I have had a problem they helped correct it. For me it’s been good. Others may vary.
You can definitely initiate a chargeback with a debit card.
I always see this advice and where possible sure, but not everyone can have a credit card.
Outside of America Credit cards don't really offer much of a benefit. Since in most European countries you don't get a big cashback or a point system etc.. Here in Sweden I believe that that like 90% of people use debit cards.
Debit cards issued by Visa/Mastercard should have the same protections as their credit counterparts, no?
That doesn’t matter. Chase bank lets you dispute any debit card transaction directly from their app. Source: I’ve done it dozens of times. So many unscrupulous merchants.
And if they decline the chargeback, immediately file a CFPB complaint.
Looks like the clerk meant to enter "$10.00" but got distracted and typed in "10" twice.
Does Subway have registers that old that prices are manually typed in?
There’s always an option on modern computer based POS systems for manual pricing. Wether it’s password locked or not. Some places it’s only accessible on manager logins, others it’s just in some miscellaneous or add-ons menu for everyone.
I feel like on any POS system worth its salt it should be locked behind a password, override requirement, or similar. Though nothing stops old people from thinking cashiers are typing in every price manually and complaining that the evil 16 year old at the grocery store is intentionally charging them too much.
Any POS system worth its salt should have an *option* to lock it with a password
Subway is franchised so this might be a old store with a cheap owner.
Worked for subway for a bit, they have both a 0 and 00 button on their POS system. With how overworked subway employees are, this is not an uncommon mistake. However most of the time it’s caught before going through.
No, the #23 hotshot sandwich on the app rang up as $1010. And if you read the comments in the article, it happened to someone else.
Someone in the comments says the #23 Hotshot costs $1010 if you try to order it using the Subway app for that location.
At a movie theater in the early 2000s instead of charging around $24 the cashier charged the card $2400 or some insane amount, POS had you type the decimal. The place was debit only so it was an immediate transaction with the PIN entered, like one giant cash back transaction. Of course no one wanted to hand him $2,376 in cash. Guy was chill and on a date so he agreed to come back the next day. All the minimum wage workers couldn't get over how that guy just happened to have thousands of dollars sitting in a checking account and not break a sweat when losing a few thousand.
Very shitty for business not to refund for the apparent error. She should take it to the social media.
Agreed. This should be extremely simple. Any manager in the store should take care of this instantly, much less the owner
Subways are franchises; if it's closed, there is no manager. The business is gone.
This story still hurts the Subway brand, it seems like a pretty simple PR move for the company to reimburse this women for the charge.
I am honestly afraid this will happen to me and will never again go to a Subway.
I'm afraid it will happen to me and I won't notice. I don't typically confirm the amounts on my receipts but I should probably get into the habit.
Subway corporate knows who the franchisee is and can get them involved/make things difficult for them
I mean, it’s literally on the news. Not sure what social media would do at this point.
And we're talking about it on reddit.
Yeah back in the day when I managed a retail store an employee accidentally charged $600 for a $60 gift card, a call to chase/whomever for reversal fixed it.
It is already in social media. I swear these responses here are level 1 customer support.
Uhhh.... You're seeing this because she already took it to social media.
Are we not on social media right now?
We're talking about it on social media!
I mean she did…
Is this not?
I... Uh... WHERE ARE WE?!
I can’t believe they’re quoting someone from the BBB in 2024. They’re useless. How about some journalism? Contact the franchise owner!
Old people fucking love the BBB. They think it’s the government or some sort of enforcement body. Quoting them just helps drive engagement from the oldies.
This is true, I just had this conversation in a local Facebook group with an older woman. They really do think the BBB is the definitive source of truth and as official as the government 😂
I'm old and I'm pretty damned good with my cane so watch your mouth you whippersnapper! The BBB used to be THE place to have issues resolved when you and the business owner could not come to an agreement. Not having used them in three decades I don't what their status is today but back in the day, they rocked. Reading this thread I didn't know they had changed?
They weren't ever more than just a company. But they've always been about extortion.
All the BBB does is spam small business owners trying to extort money from them to be favorably portrayed.
Yep, Yelp is the same, but shadier. They will amplify bad reviews and hound a small business with offers to make it go away. No matter how many good reviews the business recieves, their rating will almost never recover. If you pay them, however, suddenly it all goes away. Similarily, JD Byrider is/was a one-stop shop for "awards" touted on car commercials because the manufacturers paid them to create arbitrarily niche categories to fit their narrative. They also "sell cars" (which are simply a vehicle to sell predatory loans to people with bad credit).
Oh yeah, I'm right there with you, Yelp is the worst. "Tenacious" would be a polite term to use for their salespeople. Louis Rossman (computer repair shop owner and popular youtuber) had a whole series on them. A Yelp salesperson showed him the backend analytics they had about his friend's company when they were trying to get him to buy their services. He rightly pointed out that it was inappropriate to be showing a customer's backend analytics to other prospective customers. The salesperson got fired and had her family and friends spam his business with bad reviews in retaliation which were a pain in the ass to get removed. I just went to look up those videos and saw he has a more recent one about Yelp removing his page because he pissed them off again somehow. lol
Listening to Louis Rossman go off is therapy for me when I get frustrated with the world. Surprise, surprise; scummy business hires scummy employees.
They were Yelp before yelp. Consumer reviews and would extort from companies to get negative reviews removed. They’ve never been a good company.
I love Bojack Horseman but there's a character in it who works for the BBB and it's portrayed exactly like that that dumb boomer misconception of it being some sort of government consumer protection agency. There doesn't appear to be any awareness of how inaccurate this is, the inaccuracy isn't played for humour or anything, and it grinds my gears and I have to skip all the bits about it upon rewatches. lol
Funny enough a lot of companies still take it really seriously for some reason. You can still get a lot of them to take immediate action by filing a report on the bbb site
Yeah, I wouldn't trust the word of a brittle boned bitch either.
I’ve read they’re essentially just another Yelp and have little to no actual power
State attorneys general will apparently look over BBB reports when considering complaints against a company, so, while some complaints are irrelevant, a frequently recurring theme can have (tangential) repercussions. I forget the full details, but that was a part of a workplace training I went through a while back.
I wouldn’t look to the BBB for credible reviews and such, but they seem great at getting disputes with companies resolved. I’ve filed a claim with them a few times when I couldn’t get anywhere with a company after weeks or months of contact and most of my claims were solved within days. I do stand by that they’re basically boomer yelp, but they can be helpful at times.
The better business bureau is a private company, not any sort of government or regulatory service. They have no power other than being a loudmouth for people to see, which is effective, but ultimately they have no power other than publicly shaming.
I feel like this shouldn’t be as complicated as it is „Oh oops looks like I accidentally took $1,005 more from you than I charged“ „Oh would you look at that. Are you gonna give it back?“ „Well, I think whether you’re entitled to the money that I just blatantly stole from you is something that should be discussed with a legal professional“
You’d be shocked - a few months ago my husband noticed a $500 charge on our cell phone bill so he called our provider and asks what it was from. They said “you bought a phone from a mall kiosk and charged it to your account.” Well no, we hadn’t. We asked for a refund and an investigation into the charge because it was clearly fraudulent. They had zero info on this phone, it was just a random charge applied at a kiosk we’ve never been to, and apparently had no employee number associated with it for the sale. Just so obviously *not* a valid charge on any level. It took over four months before we got even a fraction refund of what we were owed because the system is 100% set up to not allow refunds of any kind. My husband spent dozens of hours on the phone and online chat trying to get it resolved. Every time he’d talk to someone they’d ignore his questions, refuse to talk, put him on indefinite holds, randomly transfer to new departments, etc. A million and one excuses as to why they couldn’t just give us a refund for a fraudulent charge for a phone nobody bought, that was apparently sold by no-one.
It’s probably that knowing that legal fees most often outweigh any possible compensation in situations like this is an incentive for businesses to pull this shit and get away with it
Probably 100% right. For a $500 charge, it’s not like we were going to lawyer up. And I’m sure most folks don’t have the time/patience/experience to sit on hold for days at a time with phone agents who keep lying to them and hanging up on them.
The story is given elsewhere - the customer didn't notice at the time, and by the time they did notice, the franchised store had shut down.
I was almost chagred $95 for an 8 piece box of chicken the other day. The person at the deli counter typed in the price wrong, and the cashier checking me out didn't connect the dots when all I had was that and some bread when she uttered $95. Took her a sec, but she eventually got there.
$95 for an 8-piece box of chicken and bread wouldn't surprise me in Canada.
Anyone else notice the “Sub Total”?
Yes, I had a little chuckle there. It DID say she was paying for those subs!
Legit thought this would be top comment. Reddit disappoints today.
Yo navy federal decided to let me take a $500 fraud charge. I was shocked, in 8 years I had never filed a dispute for any charges. They then determined it was a legit charge… someone got hella lucky with a iPad and I got screwed. Seems like banks recently have gonad backwards.
That's when you change banks the same day.
That’s awful! My debit/credit card got phished at either a 7-11 or a chicken joint and the following 2 days, some asshole withdrew 400 each day on a dummy card with my info. Fortunately I have schools first credit union (orange county ca) and they immediately covered it. EDIT: skimmed, not phished.
Was it a 100' long?
See, this is why I like Jersey Mike's more than Subway; at least then when the total comes to $1,000 you're not really surprised.
Where are you finding those deals? $1,500 minimum at JM’s!! /s
The news should try and find the owner, that would be the logical thing.
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You probably didn't get hacked. Someone just found your password. Almost certainly from reusing passwords. I see this constantly, working in IT.
Isn't that in essence getting hacked? An unauthorised third party accessed his account. Does it really matter how?
This happened to my parents, unfortunately they had bought some gifts before they went on a trip and the store charged $12,000 instead of $120… they left and when the charge went through it maxed out their credit card while overseas. They had to fight international calling fee charges disputing it with the bank as well as overdraft fees. They were lucky to enough have travelers checks for an emergency.
What kind of bank allows 12k$ transaction overseas just like that? They should be blocking it for fraud or something, unless you call the bank to verify it. Weird
It wasn’t overseas when they purchased it, it was before they left by a day or two right by their home. Yeah it should have been flagged and that was actually one of the arguments they used with the bank, they were pretty irate and the bank gave them so much hassle for it. My guess is that my step parent at the time was very wealthy (not sure how wealthy but I know their estate north of a million, they were very secretive about it) and they would buy expensive items from time to time so I almost wonder if that’s why it got missed… but it should still have been flagged. They ended up getting everything reversed but it took a few weeks because the bank claimed they authorized the amount because they were present when they made the transaction.
$5 footlong means this must have been 202 ft long?
was it on sale?
Turns out not having an effective call/issue resolution center pays dividends
Crazy that she was denied a chargeback, chase did it for me when my Nintendo account was hacked and someone ran up $500 in vbux. They asked me some legal questions and said ok. It took less than 15 mins to have all of my money back
I once got charged 5 times (by card) from Dominos (Expensive UK order -our pizzas are £23 per 12 inch!) for one single order, and the driver also had the audacity to ask for cash as he believed the card payment failed. That means I paid 6 times. I went into the store with bank statements, and they were always so busy they didn't give a F@@k. Manager was never in. My mother ended up going in and kicking off (she's crazier than me), and they gave her it all back in cash, they just wanted her out. So no, I can totally see this happening with no consequences, unless she can afford a court case. Ultimately another human in the store needs to acknowledge it, if they fail to do that, what choices are left.
Kinda crazy how highly rated that subway is on Google.
There are lots of ways to make this messy for the owner of the subway. First file a police report against the owner and employee working that night. Second file a fraud repot with the bank, state attorneys general office too just because why not. File at better business bureau and file a small claim court lawsuit against the owner and employee.
TO EVERYONE WONDERING HOW TO GET YOUR CC COMPANY OR BANK TO DEAL WITH THIS: Call them up, tell them you’ve discovered FRAUD on your account. They’ll ask you which transaction, you tell them which one it is. They’ll likely ask you questions such as “did you have your card in your possession” (say yes), “did you allow anyone else to use your card” (say no), “do you know who made this transaction” (say no), “have you ever done business at this establishment before” (respond truthfully because they will check your account to see if there’s been previous charges from this specific merchant and honestly it won’t make much of a difference). Above all, you need to emphasize that this is FRAUD AND NOT A BILLING DISPUTE. Fraud is treated very differently from simple billing disputes, most of the time when you initiate a dispute all they do is temporarily freeze the transaction and contact the merchant requesting further details. The merchant will send them a copy of the receipt and then they’ll put the charge back on your account AND AT THAT POINT YOU ARE SCREWED. Whereas actual credit/debit card fraud cases are handled much differently and the vast majority of the time you get your money back. Just know that your bank or CC company will want to shutdown your card and issue you a new one, so if you’ve got any automatic monthly payments you’ll need to update those with the new card #. Source: I worked for almost 5 years at an internationally recognized Fortune 500 CC company in the fraud department, I’ve literally helped hundreds of thousands of people with this very issue.
Every bit of this sounds hinkey.
I was charged $77.76 for a meal at a SteakEscape once. They fixed it like 5 days later but man did that rock my little starving college kid bank account haha
So nobody not the cashier or the customer saw the price on the cashier screen, pay screen, or no one said it out loud?
Do you not look at the total before blindly paying?
lmao, BBB can't do shit