Consumerist
annoyances
Posts Tagged “
Debit Cards
”
annoyances
bank of america
Reader Gary used his Bank of America credit card to pay $2 on a parking meter in Washington, DC. Bank of America treated it as a cash advance and slapped him with a $10 fee, as well as a higher APR. When Gary called to complain, he learned that it wasn't an error: Bank of America has started treating payments to parking meters as cash advances and may even treat all payments to government entities as cash advances.
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Bank Of America Treats Parking Meter Payments As Cash Advances, Charges $10 Fee
Reader Gary used his Bank of America credit card to pay $2 on a parking meter in Washington, DC. Bank of America treated it as a cash advance and slapped him with a $10 fee, as well as a higher APR. When Gary called to complain, he learned that it wasn't an error: Bank of America has started treating payments to parking meters as cash advances and may even treat all payments to government entities as cash advances.
More »
debit card freeze
Help! The Gas Station Froze $100 For $12 Of Gas And My Rent Check Bounced!
Reader WW is upset because a gas station froze $100 on a debit card transaction for $12 worth of gas. This caused his rent check to bounce. Now he's got overdraft fees and he's wondering why gas stations are doing this. More »
complaints
WaMu Doesn't Care You Could Be Stranded In Himalayas With No Money
Lila got her Washington Mutual debit card pickpocketed while traveling in India. Naturally, her account was drained. She filed a fraud report with Washington Mutual and a got a temporary credit issued on the account while the case was investigated. Less than 3 days later, the credit was reversed without warning. It's not WaMu's policy to reverse provisional credits in these matters before 30 days have passed to investigate, and not without warning. None of the various reps and fraud personal could explain why this happened, nor could they give her her money back, nor could they connect her with anyone who would or could do anything. Supervisors are mysteriously never around. It's a good thing she already had some Rupees in hand when the theft occured, or Lila could have been stranded in the Himalayas while WaMu reps were busy playing Snood. Her complaint letter, and our advice on how to be more effective, inside... More »
debit cards
WaMu Doesn't Understand The Concept Of Fraud
Reader Todd says that WaMu issued him a provisional credit after he was ripped off by a fake online merchant, but reversed the credit because he didn't supply the bank with "a product description, cancellation policy, and cancellation number." He can't get a cancellation number because the transaction was fraudulent (he never received the item he ordered.) No matter who he talks to, he can't get WaMu to understand that he's been ripped off. More »
identity theft
Credit Card Skimmers Attack Arco Gas Stations In California
Criminals have been attaching credit card skimmers to gas pumps at Arco stations in California, stealing over $100,000 so far from about 80 people.
More »The victims purchased gas at Arco stations, which only accepts cash or debit cards. Thieves attached a card-reading device to the payment machine's keypad that allows them to steal bank card numbers and personal identification codes.
atm
Use Your ATM Card Once A Year To Keep It Valid
If you're the type of person who never uses your ATM card—and we really mean never in this case, you might want to call your bank to find out if there's a minimum activity threshold to hit to keep it from being deactivated. A reader tried to use her Bank of America ATM card recently and kept getting an "invalid transaction" error at every ATM. She called the number on the back of the card to ask what was going on: "I was told that since I hadn't used my card in a couple of years it was closed, even though the expiration date is several years in the future, and I hadn't received any note that suggested I should cut the card up into tiny pieces." More »
windows
Microsoft And The $1,632 Copy Of Vista
Microsoft charged Bill $1,632 for a single Windows Vista Ultimate upgrade license. Each time Bill, an IT Manager, tried to his enter his payment details through Windows Live Marketplace he was told that Microsoft could not be contacted, and to "please try again later." What Microsoft really meant was, "Ha! Got your money! How 'bout some more?!" More »
annoying
Policy: Blockbuster Debits $1 To Test Your Card, Then Charges You For Your Rental
For every debit or credit card transaction at Blockbuster, the company will now debit $1 to "test" your card. If the transaction goes through, they'll then debit the full amount of your purchase. Blockbuster tells us your dollar will be returned in 3-10 business days. Reader Jason says he rented a game on Thursday and hasn't gotten the dollar Blockbuster borrowed back yet. Will he get it before the 10 days is up? More »
errors
CVS Stole My $11.78, And Refuses To Give It Back!
Reader Julie ran into some trouble at the CVS when a cash register rebooted while processing her transaction and the employee, rather than voiding the messed up transaction, simply charged her twice. Julie writes:
More »Yes, I know it sounds improbable, but CVS stole $11.78 from me and refuses to give it back.
I went to CVS today, the one on Pleasant Ridge in Arlington, Texas. I purchased two items, decongestant spray for my nose and a pseudophedrine cold product. The pharmacy tech rang me up, then I ran my debit card like usual. The debit card went through, the card reader said $0 due, and then all of a sudden the computer decided to reboot before the receipt printed.
college
Bad Voodoo: Transforming Student IDs Into Debit Cards
Cash-strapped colleges are partnering with banks to transform student IDs into debit cards. The deals are a windfall for the institutions, but force students to open accounts laden with hefty penalty fees and surcharges. More »
fees
Don't Want A Debit Card? Key Bank Will Charge You $1 A Month
After hearing about Hannaford's giant customer data breach yesterday, Brian decided to cancel the debit card he'd used there. That's when he found out that Key Bank really wants you to have a debit card. In fact, they'll charge you a small monthly fee to not have one linked to your "free checking" account. We figure that this means Key Bank makes about $12 a year more off of customers who have linked debit cards—and that if you want greater security on your account, it's going to cost you. More »
personal finance
Switched To Fee-Free ATM Withdrawals
I'm sick of paying ATM fees so I just finished switching to my USAA debit card for my cash money needs. They refund up to $15 of ATM fees per month and don't charge you any fees for using other people's ATMs. I'm still keeping my WaMu account but I took my WaMu debit card out of my wallet and just funded my USAA account with some money. Not that I have a problem but I think this will also help reduce petty cash spending. Plus, by using cash more often that means I'm getting more change, and all my coin change goes into my piggy bank (60% full at the moment, looking forward to the day I take it to the Commerce Bank "Penny Arcade" coin-counting machine). With the specter of a recession giving us all wet willies, are you making any changes to your personal finance system?
(Photo: Ben Popken)
complaints
Bank Of America Stranded Me In Japan Without Cash On My Honeymoon
Before leaving for his honeymoon, Derek called Bank of America to make sure he could rely on his debit card while he was in Japan. Bank of America assured him that he would have no problem accessing money. Yet on the third day of his honeymoon, neither he nor his wife could draw cash from their cards, stranding them with only $15 in cash. More »
debit cards
Bank Of America Won't Let You Access Your Money
Silly Bill. He thought Bank of America would let him spend $5,800 on a home theater system just because he had over $10,000 in the bank. He tried to charge the system to his Bank of America Visa Platinum Check Card but was declined. Confused, Bill called Bank of America customer support for an explanation and had the sort of conversation that makes you want to drive a fork through your ear. More »
alerts
Is HSBC Straining Under An "Unprecedented" Wave Of Fraud Activity?
If you're an HSBC customer, check your account, as there may be a wave of fraudulent activity hitting your bank. Two days ago we wrote about the guy in the U.S. who discovered his account had been drained by someone in Bulgaria. Later that day we received an email from Emily in NYC who was having similar problems, only her fraud-buddy was in California and Canada making withdrawals on her account.Emily's fiancé wrote back to us today with an update, and according to Emily, the HBSC Fraud Investigator who spoke to her "said that their fraud department was so overwhelmed, it was 'still in the developing stage of how we're going to handle' it. I asked if she knew how many customers were affected and she stated 'We don't even know.'" More »
refunds
Dear Sur La Table: It Has Been 42 Days Since You Stole $100 From My Bank Account
Rachel used a $100 gift card to pay for her Christmas gifts, but Sur La Table decided to take the funds directly from her debit card. Sur La Table apologized for the error, but instead of overnighting Rachel a refund check as promised, they inexplicably charged her an additional $31.89. Now Rachel is angry and wants an explanation. More »
Here's a horrible idea: a 401(k) program with a debit card. That's right, you can go to the ATM and make withdrawals from your 401(k) retirement savings plan. [TheStreet]
