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I may have been gypped on my credit card . . .

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I may have been gypped on my credit card . . .

Old 05-07-2007, 07:58 PM
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Default I may have been gypped on my credit card . . .

. . . while I was in Florida.

I got overcharged about $14 on my motel bill then another $1 at the airport pizza stand. I don't get it, I never had a problem with being overcharged here in New England but when I go to Florida, I'm overcharged on 2/4 purchases I make. I'll have to see about this in the morning when the charges settle. Very odd and suspicious and I'll get in touch with Bank of America if the charges are indeed what they charged me when I have the receipts for the right amounts. Could it be that the operators/cashiers try and pocket the money thinking that I might not notice?
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Old 05-07-2007, 08:17 PM
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Default RE: I may have been gypped on my credit card . . .

Some cities have a Hotel/Motel tax.
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Old 05-07-2007, 09:21 PM
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Default Re: I may have been gypped on my credit card . . .

Why do you think we can get by without a state income tax?? Actually, even us natives have problems. And yes, they think they can get away with it, and often do.
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Old 05-07-2007, 09:24 PM
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Default Re: I may have been gypped on my credit card . . .

Why do you think we can get by without a state income tax?? Actually, even us natives have problems. And yes, they think they can get away with it, and often do.
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Old 05-07-2007, 11:39 PM
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Default Re: I may have been gypped on my credit card . . .

happened to me at a fast food restaurant! what do we do? call the restaurant? call the bank? ask for a charge back? do charge backs hurt your credit?
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Old 05-08-2007, 07:40 AM
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Default Re: I may have been gypped on my credit card . . .

Dispute the charge with your credit card company. Tll them the amount on your slip does not match the amount on your statement. Many people rip up thier slips or dont reconcile them when the bill comes in so dishonest folks do sometimes take advantage of that. The card company will want to send you a copy of the vendors slip and you should be prepared to end them a copy of what you have. For just a few bucks, they may take your word for it especialy if you are a long-time customer in good standing.

Good luck!
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Old 05-08-2007, 09:31 AM
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Default Re: I may have been gypped on my credit card . . .

did the particular spots that this occured have a line for you to enter in a tip for the server. It amazed me that even a lot of short order food stands have this. In this situation, be sure to keep your copy until your bill comes in. Without it you have no recourse with your CC company.
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Old 05-08-2007, 10:03 AM
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Default Re: I may have been gypped on my credit card . . .



Maybe the hotel charge was for phone calls they saw after check-out, and the pizza joint just charged you for a "tip" . I use a credit card a good bit (2k a month on average), and have never had any problems. Maybe I'm just lucky? Good luck, and please post how it works out for you.
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Old 05-08-2007, 10:16 AM
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Default Re: I may have been gypped on my credit card . . .

I usually leave a cash tip, so when I sign the CC slip I put a line through the tip box
and carry the sub total to the total line on the bottom.

ron
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Old 05-08-2007, 10:40 AM
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Default Re: I may have been gypped on my credit card . . .

nj ron has got it right. Don't leave any EMPTY lines on the reciept. Just like on a check - fill in the space with a drawn line and write the total being charged at the bottom, when you sign the slip.
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Old 05-08-2007, 02:19 PM
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Default RE: I may have been gypped on my credit card . . .

I looked up my balances on my credit card this morning and the amounts settled as they should have. I wasn't gypped.

I, too, was shocked when I had seen the tip-line come up at a pizza stand at the airport, I made sure to put Zero (0) on the tip line and write in the final amount.

I don't know why the original hotel charge was higher than on my receipt as there was no extra charges and we didn't even take a towel or the ashtray but it all settled out to the right amount.

Thankfully over the years, I have not had any disputes since most must know that it is probably pretty easy for the credit card company or the business to see who "stole" what, when and where.

Of course I know there are taxes and they are totaled up on the original reciept, it is online and it is viewed that I had seen the inaccuracy of the charges. It all corrected itself.
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Old 05-08-2007, 02:39 PM
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Default Re: I may have been gypped on my credit card . . .

When you use a credit card, the merchant (hotel in this case) gets an authorization from your bank for that amount. Then, when you check out, they actually charge the final amount. For some reason if you check your balance right after you check out, it may seem like you are doubly charged but as thundra found out, when the dust settles after a day or two all is wel.
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Old 05-08-2007, 02:57 PM
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Default Re: I may have been gypped on my credit card . . .

On every cc purchase I make face-to-face I circle the amount that I am agreeing to pay. If I leave a tip I only fill in the total amount, circle it, and sign. If I do not tip I circle the amount, draw a line thru the tip line, and sign.

If a charge as it appears on the statement does not reconcile with my record I write the bank that I have "no record of a charge for that amount" and demand the charge be removed. They always remove it, as they are required to do by fed law. I do not tell them what the proper amount should be because I do not know what the business’s intention was when they posted a charge for the improper amount. For all I know the business may follow up with and post the proper amount charged to my cc the next month. So either it is the right amount on the statement or it gets removed. It is up to the business to get the proper amount charged to my card, not me.
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Old 05-08-2007, 09:28 PM
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Default Re: I may have been gypped on my credit card . . .

Thundra, in light of all the PC crap going on now, by saying "gypped" you have just offended the Gypsies, an honorable and honest group of dedicated pickpockets and slight of hand artists.

Don't leave your truck/car unlocked, my friend.....
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Old 05-09-2007, 01:14 PM
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Default RE: I may have been gypped on my credit card . . .

In the interest of the gypsies, I retract my statement and will now recant my prior thread title to say, "I may have been ripped off on my credit card . . . " My sincerest and most heartfelt apologies to any gypsy I may have offended on this site.
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Old 05-10-2007, 12:17 PM
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Default Re: I may have been gypped on my credit card . . .

just dont call them nappy headed gypsy hoes and you will be fine
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Old 05-11-2007, 06:29 PM
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Default Re: I may have been gypped on my credit card . . .

Most places that have the potential for "tips" or other incidental expenses will over-authorize (not over-charge) your card by a certain amount.

This is not unreasonable. When you get your dinner bill for $99, the waiter takes your credit card BEFORE he knows the final amount you intend to pay. If you write down a $10 tip but you had a $100 limit on your credit card, the waiter would end up getting stiffed as your card would be declined for the whole $109 amount. So to protect against that and make sure you have the amount you intend to pay, they over-authorize by a bit.

Amusingly this recently happened to me at a restaurant, we had a $45 dinner and tried to use a promotional $50 "credit card" from a mail in rebate - came back declined.

Hotels do the same thing, mainly to cover the incidental expenses (TV or phone charges) you may have had on your last day, before the bill was totaled up.

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