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Double Charged on Debit Card

Posted Tue July 28, 2009 12:09 am, by Jennifer D. written to McDonald's

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On July 17, 2009 my family and I dined at the Mcdonals in Azle, Texas and after we ordered and were given our total of $13.95. I did what most American's today do I used my debit card to pay for the transaction. I saw the credit card machine flash approved, but hold on wait a minute the clerk did not and she got an error message. So I told her that it showed approved on my end and she got a young man and another employee that appeared to be on break help her reset the cash register as I waited patiently.

As I was waiting the young man was getting our fries all ready to go and he said "I am not saying your lying but" and I understand in today's society that you can't trust everyone, but the machine rebooted and they said the transaction had cleared so we went to sit down and the lady that had been on break came back and said sorry but it appears that the transaction did not run thru. So I went back to the cash register and swiped the card again for the $13.95 this time I got a receipt and since computers can have issued thought all would be o.k.

When I got home and checked my bank account there were two pending transactions for $13.95 on July 17, 2009, but I waited to see if the bank would catch the double charge. No such luck on July 20, 2009 both charges were taken out of my bank account. Now I have to dispute the charges and hope that Mcdonalds owns up to the double charge. Here is what I do not understand if you are reconciling your credit card transactions at the end of the day or week how can you not catch the double charge and do something before it is taken out of the person's account.

It is not the amount of the charge that annoys me, but the fact that it happened and there was no way at the time for the people working at that location to see that the charge did in fact go thru and they did not need to run my card again.

I am asking that Mcdonalds get a policy together to handle these such events. I do understand that it is extra time for your employees to verify with your credit card processing company, but it will save your customers time on the phone with their banks trying to prove that they did not in fact make a purchase for the same amount on the same day at the same location.


Reply



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by Nee Posted Thu April 8, 2010 @ 11:17 PM

If they called in every transaction as it happened it would no longer
be fast food. what they need to do is get a better system for
processing the cards-other retail stores may have the same problem.
fix the underlying issue-the card is allowed to double your charge.
the bank should have a way to warn its account holders as well.

Reply
by cissy Posted Sat August 1, 2009 @ 2:11 PM

Especially with computerized cash registers. I would like to think
that with your statement in hand the location manager could refund the
purchase. If needed check the cameras and offer some compensation for
your trouble. The best.

Reply

by The Return of BellaSera Posted Wed July 29, 2009 @ 10:29 PM

My husband was double-charged at Perkins for a $15 breakfast we had.
When he called the credit card company, they told him Perkins had to
reverse the charge. It took over six months to get it reversed. He
finally had to physically go to the restaurant and get them to do it
(which is what he should have done in the first place, but what do I
know, right?)

So, calling your bank is the first step; however, you may have to go
through McDonalds in the end. I hope they do the right thing.

By the way, I think these situations are the exception and not the
norm. Therefore, I really don't see McDonalds implementing a policy of
reconciling hundreds of transactions each day.

Reply

by Miss Patience Posted Wed July 29, 2009 @ 12:52 PM

Batches at the end of the day rarely get looked at charge by
charge...be realistic here...you are one in a several hundred people
that used 'that' machine on 'that' day. It happens...just call your
bank, tell them what happened and they will give you the money back.

Reply

by Donno Posted Tue July 28, 2009 @ 8:50 AM

I never use my debit card for purchases. I use my *credit* card.
That way, in a case like this, I simply dispute the charge if
necessary. Also, the money never becomes unusable to me.

Reply


You "dined" at McDonald's? by Donno Tue July 28, 2009 @ 8:51 AM


I don't either.. by Harleycat Tue July 28, 2009 @ 11:14 AM

by Nate! Posted Tue July 28, 2009 @ 12:48 AM

Very valid complaint. Did you speak to the restaurant manager about
getting a refund? You mention disputing the charge but did you attempt
to correct it at the store level? Just a suggestion. I got charged
double once at Wendy's -the bank told me to call the mgr., which I
didn't even think of!

On the subject of them checking transactions, a system with the volume
of mcdonalds is all computerized. No humans involved at all.

Reply


by RowdyRetailer Posted Tue July 28, 2009 @ 12:27 AM

Credit and debit cards are nothing but trouble, I would suggest using
cash.

It opens you up to dishonest employees at fast food places, they can
steal your number, they can take a pic of the front and back of it so
fast, you will never see them.

At regular restarants, they have your card, and you cant say that you
"see the card" at all times. You irritate your waiter, and you may
find an added tip added to your bill.

You have issues at gas stations with skimmers which you cant see.

You have issues at ATM with skimmers there too

You have issues with Fake ATM's that steal your numbers.

You have issues when your card's strip suddenly becomes demagnatized.

You have issues when you try to use your card, and realize its
expired.

You have issues when you lose your wallet and realize theives have
access to your accounts, and then you realize you have so many credit
cards that you dont know which bank they are from or their numbers or
who to call? I see this alot at work!


These are only the ones I could think of off the top of my head.

You would not have to be aggravated with any of this if you pulled out
CASH.

Good Day


Reply

by petgiraffe Posted Tue July 28, 2009 @ 12:00 PM

You can lose it. No way to recoup lost cash unless you are extremely
lucky.

If you purchase something with cash and it doesn't work, and the
vendor and/or manufacturer refuse to help you, you have no recourse.

If you purchase something with cash and lose your receipt, but need to
return it, you have no backup to show that you purchased the item.

Often buying something with a credit card, or debit card with a Visa
or MC logo, gives you added protections against loss, damage or theft
of the item. You also often get automatic things like extended
warranties for certain purchases and trip insurance for travel
purchases.

It's a lot easier to keep track of your spending if you have a printed
or online record of what you spent and where.

You can't make an online purchase with cash. Some sites will let you
deduct from a bank account, but many do not give this option.

Emergencies happen. All the cash in the bank can't help you if you
can't get access to it.


Reply


RE by RowdyRetailer Tue July 28, 2009 @ 12:30 PM


I'd consider no AC an emergency by petgiraffe Tue July 28, 2009 @ 2:54 PM


RE by RowdyRetailer Wed July 29, 2009 @ 1:03 AM


Sounds like by petgiraffe Wed July 29, 2009 @ 11:37 AM

by Donno Posted Tue July 28, 2009 @ 12:19 PM

In 21+ years of using a credit card responsibly, I haven't had a
single issue of any sort. Nada. Zip. Zilch. In fact I am rewarded
quite handsomely for using my card.

I guess some peeople can handle having a credit card, and some can't.
I knew this guy that had a pistol. He isn't here anymore, because
evidently a similar principle applies to having a gun. I have a
couple of those, and I haven't shot myself in the foot (or
elsewhere).

Many tools are dangerous if not used properly. A simple screwdriver
can end up driven through your brain if you are a hapless idiot.

Reply

by Donno Posted Tue July 28, 2009 @ 12:32 PM

It opens you up to dishonest employees at fast food places, they can
steal your number, they can take a pic of the front and back of it so
fast, you will never see them.

~I *never* have handed my card to employees at fast food places. I
get my butt out of the car, go inside and swipe the card myself.

At regular restarants, they have your card, and you cant say that you
"see the card" at all times. You irritate your waiter, and you may
find an added tip added to your bill.

~If people are going to treat others poorly, they deserve what is
coming to them. I am nice to servers.

You have issues at gas stations with skimmers which you cant see.

~Are these gas stations with pools in the back?

You have issues at ATM with skimmers there too

~I use only my bank's ATM machines. No scum, just cash comes out of
them.

You have issues with Fake ATM's that
steal your numbers.

~See previous entry. Other than the ATM at The Crazy Horse where I
got cash for extra lap dances, I don't use foreign ATMs.

You have issues when your card's strip suddenly becomes demagnatized.

~Um, my card's strip never has become demagnetized. Does this happen
when visiting Krypton?

You have issues when you try to use your card, and realize its
expired.

~My credit card companies all send new cards long before they expire.
Also, I know the dates my cards expire - they are printed right on the
card.

You have issues when you lose your wallet and realize theives have
access to your accounts, and then you realize you have so many credit
cards that you dont know which bank they are from or their numbers or
who to call?

~Who loses their wallet? I've never done that. If I *did*, I have
two credit card banks. I know who they are, because I am not a
stumbling buffoon.

All it takes is being careful. My mom taught me how to do that. What
happened to people acting responsibly?

Reply


LOL by RowdyRetailer Wed July 29, 2009 @ 12:59 AM




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