Subway deliberately loses debit card customers charges!!!

Are you that poor your account balance is in the single digits? How
can a couple of bucks at Subway put you in debt? Baffling...

Oh geez! The people here need to start living in the real world!!!
This is 2007 folks! We live in a plastic world where EVERYTHING is
paid for with plastic. Most people do not write down every small
purchase they make. There is an expectation that the money will be
debited in a timely fashion.

I once wrote a letter to Subway myself. I never got a response. They
are franchise stores, I would try to get in contact with someone in
their corporate office. I am sure doing this is against their
franchise rules.

I bet you don't keep a checking register. If you would have written
the Subway charge down immediately you wouldn't have had this problem.
Regardless if this came out immediately, two months or 1-2 years
later, it should have still be there. It is not subways fault for you
bouncing a check, it is yours for not properly maintaining a checking
register.

I agree with everyone else that it's not Subway's fault that your
charge bounced. However, I have been to a few Subways over the past
few years where my charge never cleared the bank. That's the only
restaurant where this has ever happened to me. I even used to work
with someone who went to a certain Subway frequently because, every
once in a while, the charge wouldn't clear his bank (he looked at it
as an opportunity to get a free lunch). It's strange, since I live in
a different state and Subway restaurants are independently owned &
operated.

Is there a benefit in not getting paid for goods delivered? I don't
see why they would deliberately fail to submit charges.

that it could be your bank that held up processing this debit, right?

Here is how debit card work.

When you present your debit card as a CREDIT card (meaning you do NOT
enter in your PIN number) they get an authorization from the bank that
they will get paid on that item and then they submit the request (via
the signed receipt) to the bank for payment. HOWEVER, how long your
bank takes to process these may vary.

If you truly used it as a debit (meaning you entered your PIN number)
THAT would immediately deduct from your account as if you made a
withdrawal from the bank. But most food places (esp. fast food places
like Subway) don't allow you to use the Debit feature because they
have scan machines with no way to punch in your PIN to verify the
card.

Got all that?

But bottom line, there is still no excuse for absentmindedly using
your debit card and not appropriately accounting for it in your
register or however you go about balancing your account.

Bottom line, no matter when they put it through, it was a debt that
you owed and was payable upon receipt. If you didn't pay close enough
attention and overdrew your account, you deserved to be charged the
fee and Subway doesn't owe you a plug nickel.

No one CAUSED you to go negative in your account - you tried to
spend money you had already promised to someone else and got caught.
No body else did that but you.

Perhaps you were hoping that you would not be charged for the food you
ate at Subway, or you want Subway to pay for your mistakes. Now here
is what I want you to do. Take your debit card, and all bank cards,
buy a shreader and shread them until you learn to balance your money.

Sounds like someone does not balance their checkbook.

I'm failing to see what was "deliberate" about losing your
charge...and if it was lost, how do you think it came out of your
account?

So it took them a long time to process it. Doesn't sound like
something they did on purpose. And everyone else is right that it
should have been accounted for in your check register anyway.

Why the heck are you blaming Subway??? You should have marked it off
as soon as you paid for it. They can't help it you don't know how to
balance your checkbook. Pay cash from now on!

I think you need to take a Money Management 101 class ASAP! You do not
"write a check" (use your debit) unless the money is in the account
and then you deduct the money right after "writing the check" (using
the debit) Its not that hard.

I went to Six Flags awhile back, and we ordered food and paid with our
debit card, the systems were down so they had to rub our card and make
a copy for when the service was back up. It took over a month to go
through, I was beginning to think they forgot, but I always kept it in
my spreadsheet on the computer and always knew that the money wasn't
mine.

So exactly how would one use a $22 gift card from Subway if Subway has
"lost" a customer "for life"???

two minutes or two months, why didn't you have the funds in your
account?

I haven't read anyone else's response, but it seems logical to me that
you should have marked that $22 as a debit on your available balance
the minute you made the purchase.

This is not Subway's fault, IMHO. I believe it is your fault. You
should have kept $22 in your account to cover the expected debit when
the charge went through.

Where's more about the allegations that Subway "deliberately" lost
your debit card information. If they lost it, you wouldn't have been
charged.

Drama.

What date on your statement is shown for that transaction? Was it the
actual date on your receipt? It may have missed the cutoff date set by
the bank by a day or two for that month, and wound up on the following
month's statement. I've had that happen too.

When I can't write in my ledger immediately I put the receipt in my
checkbook right where the entry needs to be made, but it's very
important to do it right away and keep a sufficient balance. There is
more freedom to knowing exactly what is in there.

I understand 2 months is a long time. I hate it when that happens I
like things to go thru right away too.

But you should of kept whatever amount of money you spent at Subway in
there. IF anything you could of asked your bank "How long do I wait
for this to come through till I can consider it null and void?" Arent
most 90 to 120 days?

What is really said is what your meal was probably under 10 bucks now
it cost you 22 bucks.

Maybe you should contact the store directly, as they may not know it
is taking this long or perhaps their bank is the one that dropped the
ball. They may appreciate the heads up! I've never had a transaction
take that long- even my tiny chiropracters office only holds onto
everything about 10 days. Check back and update your letter after
you've spoken to the store!

"You have just lost yourselves a customer for life!!!!

Either refund me the $22 or give me a gift card to Subway for $22!"

What do you want the gift card for?

I agree that two months is an extraordinarily long amount of time to
take to deduct a debit charge, but the fact of the matter is...you
should know what's in your account.
Period.

Subway doesn't owe you squat.

Actually I think you have a point here. It should not take a business
2 months to present the charge to the bank when using a debit card.
It shouldn't even take that freakin long when using a check. Even if
you use a "check register" your thinking, after a month or so, that
somewhere down the line you yourself messed up mathmatically. If I
had this experience I wouldn't be asking for the overdraft charges but
I would certainly complain to them about the 2 month time span.

This is your doing, not Subway's. You should have deducted the money
from your check register immediately. Debit transactions are not
"real time". They are batched and sent to the bank all at once. This
can be done daily, weekly or monthly depending on the business.

Hmmm, I'm pretty sure YOU caused the overdraft because YOU didn't keep
a check register and YOU spent more than you had.


Grow up.

This isn't really Subway's fault, but yours for not keeping track of
what you spend. When you saw how long it was taking for Subway to take
the money out of your account, why didn't you call the store to find
out what was going on?

Either way, you should have kept track of your finances and this
overdraft would have never happened.

I use my bank card for everything, and every time I make a purchase, I
immediately deduct the amount from the balance in my account.

If you spent $22 in Subway, why would you not enter it into your check
register, so you are not spending money that technically is no longer
yours?