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24 March 2009 at 4:53 p.m.
I just wanted to alert you to a questionable practice regarding debit card charges. I fueled up @ Fleischli Oil on Monday afternoon. I used my debit card, and received a printed receipt for a total of $29.62.I signed into my bank account on-line today and found that I was charged $75.00.I called the office manager @ Fleischli Oil and was told that this is standard practice. They charge you the maximum amount of credit you have at their pump, then, the difference is supposed to be credited back the next day. It's been 24 hours and I still do not see a credit. I was told to check tomorrow :-(I asked if overdraft fees are paid by them due to the over-charge and was told no :-(This was explained as an industry standard for fuel stations that are not manned 24 hours a day so it may apply to other stations as well.With today's economy I realized that many folks might not know this and incur over draft fees.Please monitor your debit card transactions on-line to protect yourself.Wishing everyone well. :-)
24 March 2009 at 10:47 p.m.
It will also happen if you use your bank card at a motel!!Never ever use your card for those things unless you have the extra funds to cover it.I have to say that I can understand, kind of, why a hotel/motel might do that, but not a gas station. And I don't care if the gas station is manned 24/7 or not. On the other hand I don't think they are doing this, at least at the local stations, to rip you off and cause you trouble. You will have the correct amount charged to your account and the extra never shows up on your statement, it's just a hassle we don't need in our daily lives
28 March 2009 at 6:27 p.m.
They should not be charging you the maximum amount of credit you have. If you have $5000 in that checking account; then they just put an authorization through for that full amount and tied up all of your funds. Typically if your card is used as a credit at the pump-(not debit) then they will put the authorization through for $1 and then once the charges have been sent through merchant services, it drops the dollar and the exact amount is charged. If their merchant service equipment was up to date, say like the pump card readers at kum and go; then it should go through for exactly what you charged. Companies are charged for every transaction that is processed as a “credit” because it has to pass through visa systems and visa charges them a service fee. This is why the grocery stores force you to use your card as a debit. The readers know when it is a debit card and it forces you to input your pin but if you hit cancel it will charge as a credit. They have the force place debit because it is cheaper for them on the merchant service fees. Fleischli Oil has an outdated merchant system and what they are doing is wrong-not illegal but wrong.
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