| Posted By |
Message |
| Pages: 1 2 3 [4] 5 6 |
Janice
Sweet Jessie Quinn
Member since 5/05 27567 total posts
Name:
Janice
|
Re: Ugh, angry overcharged
Posted by Hofstra26
Posted by Janice
Omg....
Think about it.
Bill comes.
You hand over cc.
Cc is swiped.
Slip comes for you to sign and either leave tip or not.
If you do leave tip...your card is not swiped again.
You are already heading home with card in hand.
How would server get tip?
Welllllll......
When card is swiped that one time, an authorization and hold is put on it for an amount larger then your bill.
If the money is needed, great, it is there. If not, no issue, funds will be released.
Your cc statement never reads a charge for bill amount and a separate charge for tip...it is all the same.
When you leave a tip on your card you're authorizing them to go back and adjust the amount. They don't need to swipe your card again to do that and they certainly don't need to overcharge you "just in case".
They certainly do need to authorize it.
Lets say you are practically at your credit limit.
If they do not ask for pre authorization for tip...it might not be there for the adjustment later.
The waiter must get paid.
What if the adjustment for tip is 20.00...there is not 20 available...waiter just got stiffed.
|
Posted 1/2/14 9:17 AM  |
| |
|
Long Island Weddings
Long Island's Largest Bridal Resource |
Janice
Sweet Jessie Quinn
Member since 5/05 27567 total posts
Name:
Janice
|
Re: Ugh, angry overcharged
Posted by SlurpeeDad
Posted by Janice
Omg....
Think about it.
Bill comes.
You hand over cc.
Cc is swiped.
Slip comes for you to sign and either leave tip or not.
If you do leave tip...your card is not swiped again.
You are already heading home with card in hand.
How would server get tip?
Welllllll......
When card is swiped that one time, an authorization and hold is put on it for an amount larger then your bill.
If the money is needed, great, it is there. If not, no issue, funds will be released.
Your cc statement never reads a charge for bill amount and a separate charge for tip...it is all the same.
I don't see how this could be accurate at all. I am not denying that some places will over charge and then adjust, but I have never seen a pending charge from a restaurant on my cc be more than my bill. It is always my bill and then will be adjusted if I tip on my cc. I understand that the card is only swiped once, but they are able to make adjustments to it. Obviously they aren't going to guess the tip correctly if they overcharge, so they would still have to make an adjustment without swiping it again.
It is to reserve the money for the tip.
Many people go out to eat with barely any avail credit.
You can write in 50.00 tip...it does not mean anything if you do not have funds available.
By going over 20% automatically, it is a safe number.
Later on that night when tip is entered, waiter will definitely get paid.
|
| Posted 1/2/14 9:20 AM |
| |
|
Hofstra26
Love to Bake!
Member since 7/06 27915 total posts
Name:
|
Re: Ugh, angry overcharged
Posted by Janice
Posted by Hofstra26
Posted by Janice
Omg....
Think about it.
Bill comes.
You hand over cc.
Cc is swiped.
Slip comes for you to sign and either leave tip or not.
If you do leave tip...your card is not swiped again.
You are already heading home with card in hand.
How would server get tip?
Welllllll......
When card is swiped that one time, an authorization and hold is put on it for an amount larger then your bill.
If the money is needed, great, it is there. If not, no issue, funds will be released.
Your cc statement never reads a charge for bill amount and a separate charge for tip...it is all the same.
When you leave a tip on your card you're authorizing them to go back and adjust the amount. They don't need to swipe your card again to do that and they certainly don't need to overcharge you "just in case".
They certainly do need to authorize it.
Lets say you are practically at your credit limit.
If they do not ask for pre authorization for tip...it might not be there for the adjustment later.
The waiter must get paid.
What if the adjustment for tip is 20.00...there is not 20 available...waiter just got stiffed.
I'm not going to argue with you for the simple fact that all I use is my debit, I eat out all the time, and I've NEVER seen a pending charge OR a receipt with a higher amount than I charged.
The fact that you write in on the line a tip amount and you sign that receipt is all the authorization a restaurant needs to go back and adjust your bill so the waiter gets their tip.
|
| Posted 1/2/14 9:24 AM |
| |
|
Jacksmommy
My love muffin!
Member since 1/07 5819 total posts
Name:
Liz
|
Re: Ugh, angry overcharged
Is it safe to say that restaurants also do make mistakes and/or do have unscrupulus(sp?) people that charge too much? While most peole are arguing that it is a pending charge, it is also VERY feasible that there was either a mistake or a person that wanted a little extra! Those of you who are arguing that the OP is hostile are doing the exact same thing!
|
| Posted 1/2/14 9:28 AM |
| |
|
Janice
Sweet Jessie Quinn
Member since 5/05 27567 total posts
Name:
Janice
|
Re: Ugh, angry overcharged
Posted by Hofstra26
Posted by Janice
Posted by Hofstra26
Posted by Janice
Omg....
Think about it.
Bill comes.
You hand over cc.
Cc is swiped.
Slip comes for you to sign and either leave tip or not.
If you do leave tip...your card is not swiped again.
You are already heading home with card in hand.
How would server get tip?
Welllllll......
When card is swiped that one time, an authorization and hold is put on it for an amount larger then your bill.
If the money is needed, great, it is there. If not, no issue, funds will be released.
Your cc statement never reads a charge for bill amount and a separate charge for tip...it is all the same.
When you leave a tip on your card you're authorizing them to go back and adjust the amount. They don't need to swipe your card again to do that and they certainly don't need to overcharge you "just in case".
They certainly do need to authorize it.
Lets say you are practically at your credit limit.
If they do not ask for pre authorization for tip...it might not be there for the adjustment later.
The waiter must get paid.
What if the adjustment for tip is 20.00...there is not 20 available...waiter just got stiffed.
I'm not going to argue with you for the simple fact that all I use is my debit, I eat out all the time, and I've NEVER seen a pending charge OR a receipt with a higher amount than I charged.
The fact that you write in on the line a tip amount and you sign that receipt is all the authorization a restaurant needs to go back and adjust your bill so the waiter gets their tip.
I worked for capital one cc
My dh has been a restaurant manager forever,
But you are right...you have a debit card.
|
| Posted 1/2/14 9:30 AM |
| |
|
Hofstra26
Love to Bake!
Member since 7/06 27915 total posts
Name:
|
Re: Ugh, angry overcharged
Posted by Janice
Posted by Hofstra26
Posted by Janice
Posted by Hofstra26
Posted by Janice
Omg....
Think about it.
Bill comes.
You hand over cc.
Cc is swiped.
Slip comes for you to sign and either leave tip or not.
If you do leave tip...your card is not swiped again.
You are already heading home with card in hand.
How would server get tip?
Welllllll......
When card is swiped that one time, an authorization and hold is put on it for an amount larger then your bill.
If the money is needed, great, it is there. If not, no issue, funds will be released.
Your cc statement never reads a charge for bill amount and a separate charge for tip...it is all the same.
When you leave a tip on your card you're authorizing them to go back and adjust the amount. They don't need to swipe your card again to do that and they certainly don't need to overcharge you "just in case".
They certainly do need to authorize it.
Lets say you are practically at your credit limit.
If they do not ask for pre authorization for tip...it might not be there for the adjustment later.
The waiter must get paid.
What if the adjustment for tip is 20.00...there is not 20 available...waiter just got stiffed.
I'm not going to argue with you for the simple fact that all I use is my debit, I eat out all the time, and I've NEVER seen a pending charge OR a receipt with a higher amount than I charged.
The fact that you write in on the line a tip amount and you sign that receipt is all the authorization a restaurant needs to go back and adjust your bill so the waiter gets their tip.
I worked for capital one cc
My dh has been a restaurant manager forever,
But you are right...you have a debit card.
I have a debit card that has never been overcharged for anything so yea, that makes me right regardless of your "expertise" on the matter.
|
| Posted 1/2/14 9:33 AM |
| |
|
MichLiz213
Life is Good!
Member since 7/07 7979 total posts
Name:
|
Re: Ugh, angry overcharged
Posted by NervousNell
I can see why they might do it at restaurants- due to the possible tip.
However why do they do it at gas stations?
If I buy $40 worth of gas, that's it- it's $40.
Done.
Why hold more?
When I get gas, sometimes the pending charge reads $1.00 and then readjusts once the charge goes through. I figure it's just making sure the card is a valid card. It'd be nice if they forgot to adjust it!
|
| Posted 1/2/14 9:34 AM |
| |
|
|
|
Ugh, angry overcharged
This recently happened .. Went out with friend for lunch - use credit card, wrote "cash" on tip line...and was charged an additional amount (as if tip was included on credit when it wasn't). So they essentially got 20% extra on credit card tip as well as the cash tip on the table
Friend saw on credit card bill and called and complained to restaurant.
So who knows how often this happens. How many people actually scrutinize their statements and such? And it seems easy for a restaurant to say "oops, made an honest mistake" when it wasn't.
|
| Posted 1/2/14 9:35 AM |
| |
|
MsSissy
xoxoxo
Member since 3/07 39159 total posts
Name:
|
Re: Ugh, angry overcharged
Some people have had it happen.
Some people haven't.
The fact that some people (myself included) have it happen means some restaurants or some (not all) credit/debit card companies do do it.
Nobody is right or wrong.
But in typical LIF form. Someone needs to be right.
|
| Posted 1/2/14 9:37 AM |
| |
|
SlurpeeDad
LIF Adolescent
Member since 1/11 713 total posts
Name:
SlurpeeDad
|
Re: Ugh, angry overcharged
Posted by Janice
Posted by Hofstra26
Posted by Janice
Posted by Hofstra26
Posted by Janice
Omg....
Think about it.
Bill comes.
You hand over cc.
Cc is swiped.
Slip comes for you to sign and either leave tip or not.
If you do leave tip...your card is not swiped again.
You are already heading home with card in hand.
How would server get tip?
Welllllll......
When card is swiped that one time, an authorization and hold is put on it for an amount larger then your bill.
If the money is needed, great, it is there. If not, no issue, funds will be released.
Your cc statement never reads a charge for bill amount and a separate charge for tip...it is all the same.
When you leave a tip on your card you're authorizing them to go back and adjust the amount. They don't need to swipe your card again to do that and they certainly don't need to overcharge you "just in case".
They certainly do need to authorize it.
Lets say you are practically at your credit limit.
If they do not ask for pre authorization for tip...it might not be there for the adjustment later.
The waiter must get paid.
What if the adjustment for tip is 20.00...there is not 20 available...waiter just got stiffed.
I'm not going to argue with you for the simple fact that all I use is my debit, I eat out all the time, and I've NEVER seen a pending charge OR a receipt with a higher amount than I charged.
The fact that you write in on the line a tip amount and you sign that receipt is all the authorization a restaurant needs to go back and adjust your bill so the waiter gets their tip.
I worked for capital one cc
My dh has been a restaurant manager forever,
But you are right...you have a debit card.
I don't care who you work for, it doesn't make her wrong because she hasn't experienced what you speak of. Maybe Capital One operates differently then other banks.
|
| Posted 1/2/14 9:37 AM |
| |
|
|
|
Ugh, angry overcharged
Also just curious - what if you wanted to give zero tip due to poor service or whatever -- how does that work in all of this?
|
| Posted 1/2/14 9:39 AM |
| |
|
NervousNell
Just another chapter in life..
Member since 11/09 54921 total posts
Name:
..being a mommy and being a wife!
|
Re: Ugh, angry overcharged
Posted by EatingMyVeggies
Also just curious - what if you wanted to give zero tip due to poor service or whatever -- how does that work in all of this?
I think if you leave no tip they go back and adjust it back to just the amount of the food.
Just like if the were to hold too much for the tip, they adjust it to what you actually wrote in.
Again, it never really happened to me I don't think- but from what others are describing this is how I imagine it would work.
They true it up later.
|
| Posted 1/2/14 9:42 AM |
| |
|
kn2011
LIF Adolescent
Member since 10/10 537 total posts
Name:
K
|
Re: Ugh, angry overcharged
Posted by Lisa982006
Posted by Hofstra26
Posted by kn2011
It happens at every restaurant. When they swipe your card it adds a potential "tip" in case you decide to tip using your card. Just in case when they go back and settle the final charge after you sign the bill you do not have enough in the account they wont get screwed
No it doesn't. I eat out a lot and always use my debit card and I have NEVER had this happen to me. If anything, I see the actual bill amount right away in my checking account under "pending" and then when it posts the amount reflects any tip I've added. I've never heard of being of charged more than you spent anywhere when using a debit.
I'd be on the phone with that restaurant right away.
I have to agree with this. I always use my debit card when out to eat and to buy gas and this has never happened to me, ever. I'm talking in all the years I've had a bank account this was never an issue. Plus, I used to work in a restaurant and we would run the card for the amount of the bill then later go back in and adjust it with the tip amount. Maybe it depends on the bank but I'd think the charge would go through and if anything, your account would just be overdrawn if you didn't have enough to cover the tip.
Maybe you dont realize, bc its only a temporary charge not a permanent charge.. I work in this field and thats exactly what we are instructed to inform customers. It should also be in your fee schedule for your account.
|
| Posted 1/2/14 9:44 AM |
| |
|
|
|
Ugh, angry overcharged
That's what I figured - just sounded kind of risky
|
| Posted 1/2/14 9:45 AM |
| |
|
hopingforbaby
We made a wish & you came true
Member since 2/10 2695 total posts
Name:
Me
|
Re: Ugh, angry overcharged
Posted by MsSissy
Some people have had it happen.
Some people haven't.
The fact that some people (myself included) have it happen means some restaurants or some (not all) credit/debit card companies do do it.
Nobody is right or wrong.
But in typical LIF form. Someone needs to be right.
This is pretty much exactly what I came on to say. We can argue this back and forth all day but the fact of the matter is it DOES happen sometimes. It sure has happened to me and I called TD bank and they confirmed this can happen.
|
| Posted 1/2/14 9:45 AM |
| |
|
KristenRSF
LIF Toddler
Member since 5/10 487 total posts
Name:
Kris
|
Re: Ugh, angry overcharged
And this is why we only pay cash. 
|
| Posted 1/2/14 10:04 AM |
| |
|
2BadSoSad
LIF Adult
Member since 8/12 6791 total posts
Name:
|
Re: Ugh, angry overcharged
Posted by MsSissy
Some people have had it happen.
Some people haven't.
The fact that some people (myself included) have it happen means some restaurants or some (not all) credit/debit card companies do do it.
Nobody is right or wrong.
But in typical LIF form. Someone needs to be right.
This is kind of what I was thinking, what the heck is everyone arguing over? Some people have had it happen, some haven't. Whether the practice is right or wrong, it obviously happens. It is probably what is going on in OP case, be it OK or not.
Message edited 1/2/2014 10:14:44 AM.
|
| Posted 1/2/14 10:14 AM |
| |
|
|
|
Re: Ugh, angry overcharged
Posted by KristenRSF
And this is why we only pay cash.
This is what I think I'm going to start doing. Even if it's normally resolved the proper way, if they DO wrongly overcharge you, it sounds like a hassle. When you call bank or restaurant and have to hit 8 buttons and still get placed on hold. Ain't nobody got time for that 
|
| Posted 1/2/14 10:16 AM |
| |
|
Otherme
Square head cutie pants
Member since 3/06 6899 total posts
Name:
|
Re: Ugh, angry overcharged
I'm wondering if this discrepancy in the pending charge is something that varies from bank to bank and isn't anything to do with the restaurant.
my debit card has always been with citibank, and i've never had a higher pending charge appear on my account. I always have the original charge appear as pending, then a few days later, the full amount including tip appears as the actual charge.
For gas stations, i sometimes see $1 as a pending charge.
That could explain it?
obviously, there are people who have had both scenario's happen - doesn't make one right or wrong.
to the OP, i didn't think you were being hostile at all - just concerned.
I hope your situation is rectified and you find out what happened!
|
| Posted 1/2/14 10:21 AM |
| |
|
cake2013
LIF Infant
Member since 9/13 52 total posts
Name:
|
Ugh, angry overcharged
I had something similar happen a while back and learned to never use my debit card at a restaurant. I went out with a big group of about 10 people. Everyone else paid cash, but I gave my debit card to put my portion, which was about $40, and signed the slip for that amount. The next day I checked my account and there was a hold for over $300. I called the restaurant right away flipping out and they said that it would eventually clear for the amount I signed, but they put a hold for the entire bill in the meantime. The manager said that was their standard practice. I'd never heard of it before either, but it did eventually clear for only $40.
|
| Posted 1/2/14 10:35 AM |
| |
|
lynnd126
LIF Adult
Member since 3/11 2630 total posts
Name:
|
Re: Ugh, angry overcharged
Posted by Hofstra26
Posted by Janice
Posted by Hofstra26
Posted by Janice
Posted by Hofstra26
Posted by Janice
Omg....
Think about it.
Bill comes.
You hand over cc.
Cc is swiped.
Slip comes for you to sign and either leave tip or not.
If you do leave tip...your card is not swiped again.
You are already heading home with card in hand.
How would server get tip?
Welllllll......
When card is swiped that one time, an authorization and hold is put on it for an amount larger then your bill.
If the money is needed, great, it is there. If not, no issue, funds will be released.
Your cc statement never reads a charge for bill amount and a separate charge for tip...it is all the same.
When you leave a tip on your card you're authorizing them to go back and adjust the amount. They don't need to swipe your card again to do that and they certainly don't need to overcharge you "just in case".
They certainly do need to authorize it.
Lets say you are practically at your credit limit.
If they do not ask for pre authorization for tip...it might not be there for the adjustment later.
The waiter must get paid.
What if the adjustment for tip is 20.00...there is not 20 available...waiter just got stiffed.
I'm not going to argue with you for the simple fact that all I use is my debit, I eat out all the time, and I've NEVER seen a pending charge OR a receipt with a higher amount than I charged.
The fact that you write in on the line a tip amount and you sign that receipt is all the authorization a restaurant needs to go back and adjust your bill so the waiter gets their tip.
I worked for capital one cc
My dh has been a restaurant manager forever,
But you are right...you have a debit card.
I have a debit card that has never been overcharged for anything so yea, that makes me right regardless of your "expertise" on the matter.
Is the higher amount a pending charge that you somehow do not see? Bc I have to agree that I use my debit for eating out all the time and have never ever seen this either. Also, there was a gas station example and in my experience, there is a charge I can see of $1, and then days later it ends up the correct amount- BUT up until then I can use that money for something else- but obviously if I didn't transfer more in, it would result in an overdraft if the gas charge then showed up. I noticed it works different with a hotel- you see a pending charge for the full amount, until it turns into a cleared charge.
|
| Posted 1/2/14 10:47 AM |
| |
|
ElizaRags35
My 2 Girls
Member since 2/09 20494 total posts
Name:
Me
|
Re: Ugh, angry overcharged
Posted by Hofstra26
Posted by Janice
Posted by Hofstra26
Posted by Janice
Posted by Hofstra26
Posted by Janice
Omg....
Think about it.
Bill comes.
You hand over cc.
Cc is swiped.
Slip comes for you to sign and either leave tip or not.
If you do leave tip...your card is not swiped again.
You are already heading home with card in hand.
How would server get tip?
Welllllll......
When card is swiped that one time, an authorization and hold is put on it for an amount larger then your bill.
If the money is needed, great, it is there. If not, no issue, funds will be released.
Your cc statement never reads a charge for bill amount and a separate charge for tip...it is all the same.
When you leave a tip on your card you're authorizing them to go back and adjust the amount. They don't need to swipe your card again to do that and they certainly don't need to overcharge you "just in case".
They certainly do need to authorize it.
Lets say you are practically at your credit limit.
If they do not ask for pre authorization for tip...it might not be there for the adjustment later.
The waiter must get paid.
What if the adjustment for tip is 20.00...there is not 20 available...waiter just got stiffed.
I'm not going to argue with you for the simple fact that all I use is my debit, I eat out all the time, and I've NEVER seen a pending charge OR a receipt with a higher amount than I charged.
The fact that you write in on the line a tip amount and you sign that receipt is all the authorization a restaurant needs to go back and adjust your bill so the waiter gets their tip.
I worked for capital one cc
My dh has been a restaurant manager forever,
But you are right...you have a debit card.
I have a debit card that has never been overcharged for anything so yea, that makes me right regardless of your "expertise" on the matter.
Wow.
Maybe you're both right? Maybe your bank doesn't do this but the company she worked for does? No need for the snark.
|
| Posted 1/2/14 10:56 AM |
| |
|
BargainMama
LIF Adult
Member since 5/09 15657 total posts
Name:
|
Re: Ugh, angry overcharged
Posted by ElizaRags35
Posted by Hofstra26
Posted by Janice
Posted by Hofstra26
Posted by Janice
Posted by Hofstra26
Posted by Janice
Omg....
Think about it.
Bill comes.
You hand over cc.
Cc is swiped.
Slip comes for you to sign and either leave tip or not.
If you do leave tip...your card is not swiped again.
You are already heading home with card in hand.
How would server get tip?
Welllllll......
When card is swiped that one time, an authorization and hold is put on it for an amount larger then your bill.
If the money is needed, great, it is there. If not, no issue, funds will be released.
Your cc statement never reads a charge for bill amount and a separate charge for tip...it is all the same.
When you leave a tip on your card you're authorizing them to go back and adjust the amount. They don't need to swipe your card again to do that and they certainly don't need to overcharge you "just in case".
They certainly do need to authorize it.
Lets say you are practically at your credit limit.
If they do not ask for pre authorization for tip...it might not be there for the adjustment later.
The waiter must get paid.
What if the adjustment for tip is 20.00...there is not 20 available...waiter just got stiffed.
I'm not going to argue with you for the simple fact that all I use is my debit, I eat out all the time, and I've NEVER seen a pending charge OR a receipt with a higher amount than I charged.
The fact that you write in on the line a tip amount and you sign that receipt is all the authorization a restaurant needs to go back and adjust your bill so the waiter gets their tip.
I worked for capital one cc
My dh has been a restaurant manager forever,
But you are right...you have a debit card.
I have a debit card that has never been overcharged for anything so yea, that makes me right regardless of your "expertise" on the matter.
Wow.
Maybe you're both right? Maybe your bank doesn't do this but the company she worked for does? No need for the snark.
LMAO Janice was snarky also.... if we are calling people out on their snark now ;)
|
| Posted 1/2/14 11:03 AM |
| |
|
Hofstra26
Love to Bake!
Member since 7/06 27915 total posts
Name:
|
Re: Ugh, angry overcharged
Posted by ElizaRags35
Posted by Hofstra26
Posted by Janice
Posted by Hofstra26
Posted by Janice
Posted by Hofstra26
Posted by Janice
Omg....
Think about it.
Bill comes.
You hand over cc.
Cc is swiped.
Slip comes for you to sign and either leave tip or not.
If you do leave tip...your card is not swiped again.
You are already heading home with card in hand.
How would server get tip?
Welllllll......
When card is swiped that one time, an authorization and hold is put on it for an amount larger then your bill.
If the money is needed, great, it is there. If not, no issue, funds will be released.
Your cc statement never reads a charge for bill amount and a separate charge for tip...it is all the same.
When you leave a tip on your card you're authorizing them to go back and adjust the amount. They don't need to swipe your card again to do that and they certainly don't need to overcharge you "just in case".
They certainly do need to authorize it.
Lets say you are practically at your credit limit.
If they do not ask for pre authorization for tip...it might not be there for the adjustment later.
The waiter must get paid.
What if the adjustment for tip is 20.00...there is not 20 available...waiter just got stiffed.
I'm not going to argue with you for the simple fact that all I use is my debit, I eat out all the time, and I've NEVER seen a pending charge OR a receipt with a higher amount than I charged.
The fact that you write in on the line a tip amount and you sign that receipt is all the authorization a restaurant needs to go back and adjust your bill so the waiter gets their tip.
I worked for capital one cc
My dh has been a restaurant manager forever,
But you are right...you have a debit card.
I have a debit card that has never been overcharged for anything so yea, that makes me right regardless of your "expertise" on the matter.
Wow.
Maybe you're both right? Maybe your bank doesn't do this but the company she worked for does? No need for the snark.
Wow what? A snark for a snark.
|
| Posted 1/2/14 11:13 AM |
| |
|
Pinkisles
<3
Member since 11/13 2868 total posts
Name:
|
Ugh, angry overcharged
So did you call today and get an answer?
|
| Posted 1/2/14 11:14 AM |
| |
|
| Pages: 1 2 3 [4] 5 6 |
