I used my debit card several times to put about $100 of gas in my car. I got a letter today from a collection agency saying that I owe $600 in overdraft fees and penalties. Each time I went to the pump, and slid my card, the pump said the purchase was authorized. Now the collection agent is saying that my card was approved so "you wouldn't be embarrassed". It seems to me like this is a scam to steal money from me. Shouldn't my card have been declined if I didn't have enough money in my account? I admit I was stupid for not checking my account balance more carefully, but I don't think the fault is all mine. And I might understand if this happened once and they didn't catch it; but I put gas in my car several times and each time the pump said "authorized". The collection agency says I must pay overdraft fees plus penalties for each time I pumped gas. Is it illegal from them to do this since the pump said "authorized"? What should I do to stand up for my rights in this situation?
2006-11-01
16:05:35
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10 answers
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asked by
Tertium Quid
2
in
Credit