I used my debit card at the gas station. The gas pump went over 6 cents as I was taking the pump out of the gas tank. This was an error, but I was charged $50 for that error at the gas station.
2007-02-10 04:17:48 · 6 answers · asked by Toleda 1 in Business & Finance ➔ Credit
I am surprised your transaction was approved. Since pay at the pump authorize at least $50 or more. You still owe that 6 cents unless it happens that you stop the flow of the gas. In that case you should of gone in a reported the pump as malfunctioning and ask for a provisional credit of 6 cents. Their computers can some times tell if a pump is malfunctioning. I never use a debit card at the pay at the pump unless I have a lot of money in my account like $200 or more.
2007-02-11 02:10:47 · answer #1 · answered by Anonymous · 0⤊ 0⤋
I agree with the first poster.
Mine was not as bad as yours and they changed it.
In my case, I knew I would overdraw my checking however I had 3k in my savings account.
I had a check savings account with the same base numbers so I didnt think that it would be a problem other than the bank would charge me $10.00 to switch the money from savings into checking.
Boy was I shocked as shyt when i got a note from the bank and the store and now my $75.00 check was $125.00.
I went to bank on a warpath!
The manager disarmed me immediately. Not only did she remove the $25.00, she GAVE me a $25.00 credit and signed me up for overdraft protection.
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I guess the moral of the story is to A) try to keep a $25.00 cushion in your account.
b) talk to the bank and ask them to credit your fees (they can do that with a few keystrokes)
c) get overdraft protection by placing a credit card on your account. Better to pay fifty cents in interest on that penny then to have the $50.00 charge.
2007-02-10 12:43:53 · answer #2 · answered by lisa s 6 · 0⤊ 0⤋
Here's the thing...people often confuse "fair" with "correct". The bottom line is that when you signed up with that bank, they provided you with a set of terms and conditions for banking with them. Included in those terms and conditions were overdraft fees. If you overdraft, you should expect to be charged, and it's both fair and correct. Unfair would be if you didn't overdraft, and they charged you the fee anyway.
You also have to remember that the computer systems that assess these fees are very black or white. If you overdraft, it charges you. That's not to say that calling your bank and explaining the situation, and appealing to their sense of "fairness" won't get the charges reversed. If you threaten to take your business elsewhere, it would make good sense for your bank to give you your overdraft fee back.
2007-02-10 19:21:39 · answer #3 · answered by Jason 3 · 0⤊ 0⤋
Go speak with a supervisor at your bank branch and explain the situation. They will probably reverse the charge. It's a good idea to have a "cushion" in your checking account.
2007-02-10 12:48:33 · answer #4 · answered by Anonymous · 0⤊ 0⤋
It's not fair, but it is legal, and that's the thing with the banking industry -- they have such a stong lobby that the laws created are in favor of financial institutions. You can ask them for a credit, but knowing most banks, they won't give it. Good luck.
2007-02-10 13:53:49 · answer #5 · answered by what the heck? 3 · 0⤊ 0⤋
Call your bank and explain. They will surely credit this fee as a courtesy to you. This is an automated fee that will remain unless you call to discuss it with them.
Surely they will be reasonable. I had a similar event years ago, and they gladly removed the fee.
Good luck!
2007-02-10 12:28:38 · answer #6 · answered by Anonymous · 1⤊ 0⤋