Community Chat

[Allegheny]

Thought I'd just share an incident that happened to DH.

I was reviewing our checking account and came across a withdrawal from our checking account from a grocery store that looked excessive. My husband had gone shopping to pick up fish and some other items and used his debit card for payment. I asked him if he did a cash withdrawal in addition to paying for the groceries. He said No. I asked him do you happened to still have the receipt laying around, he said No.

Well something went wrong somewhere because I estimate the withdrawal was for about 50 or more dollars over what he spent. I don't know if the cashier made the mistake and he wasn't paying attention to what he authorized, or if the machine malfunctioned and added another's shoppers items to our bill, or if our bank made an error.

I don't even know where to start to unravel this, as it was 10 days ago. May have to chalk it up to a learning experience, and to always hold onto receipts until the payment hits the bank account.

[DoneTryin]

Without that receipt, there isn't much you can do to try to figure out what happened. Yes, it's a hard lesson to learn, isn't it? I got into the habit of checking my account every day, mostly because it's pretty quick & easy to do. My card got hacked last year & even though I got the money back, it was a hassle that I'd rather not go through again.

[Irshgrl31201]

I don't have a debit card because my financial advisor advises against it and it isn't recommended at about every place where I would use one but when I did have one I could call and find out what my last purchases were. I could go through the purchases on the phone (or computer) and it would say if I got cash back. It won't itemize the bill but it will tell you if you got cash back.

[I am still oxox]

Call you bank asap, they should be able to do something to help you

[voyager1980]

Oooh sorry that happened OP.That's why we don't ever use Debit Cards ( we use a couple of Credit Cards) & we keep all receipts for a looooong time & like VCamp we check accounts online. Hope you can recoup the overcharge

[MikafromTopeka]

Another thing that bugs me is when food places (like Culver's) don't line item their receipts with a price per item. I often have orders of 6-8 burgers (or sandwiches) plus fries, etc. and though I usually know a ballpark figure there is no way to tell exactly what I'm being charged for each. They could easily be adding $5-$10 to the total without ever being found out.

I check my bank account at least a few times per day too.

[Allegheny]

Thanks all. I guess he and I will have to be more diligent. I pretty much wrote off trying to resolve this. But what Irshgrl32101 said is intereting. Perhaps there is a way I can find out what was debited to the card.

[sunshine45]

i always keep my receipts AND i check my account usually twice a day.....morning and evening. i use my debit card often so i make sure i keep on top of the transactions.

[corita]

On 4/14/2014 voyager1980 said:

Oooh sorry that happened OP.That's why we don't ever use Debit Cards ( we use a couple of Credit Cards) & we keep all receipts for a looooong time & like VCamp we check accounts online. Hope you can recoup the overcharge

Based on recommendation from financial adviser, I don't ever use my debit card to purchase anything. I only use it to deposit funds at the bank! A debit card gives anyone direct access to your bank account! I use a credit card and also keep receipts until I reconcile with bank account statements. I also check online very often! That said, my credit card number was used in two cities (and in two stores that I have never been in) on the other side of the state!! Bank took care of it immediately! Just can never tell what unlawful people will do....

[nun ya]

Wouldn't the cashier's drawer be over by $50 at the end of the day? unless they kept it? I would call the store.