Unauthorized preauthorize topping is perfectly Legal?
Posted in the Surprise Forum
#1 Feb 3, 2010
I was in Surprise yesterday for a local community meeting. I decided to put $10.00 of gasoline in Chevron at the corner of Reems & Bell. I call my bank later that same day & found out that the gasoline station I pump for $10 had pre authorized $49.00 against my debit card. The most shocking was that according to Chase bank that this is perfectly legal & the money will be return within 5 days. I'm outrage the fact that I didn't vote for this redicolous & savage system. As I went for further search for on who is responsible. I found out that this was anonemously voted by the State of Arizona & by City district. This can only mean that Millions or Billions dollars topping on Consumers credit/debit card account for the State & local businesses to create a residual earned interest from unauthorized topping.
Sun City & Surprise are predominantly populated by retiree & young family. The American consumer need to be aware about this so call new or not so new system. Just be aware on everytime you use your debit/credit card that local businesses can make a pre authorization against your bank account up to 400% of your original purchase. This can potentially out of balance in individual checking account & always allow $100 extra available on your debit/credit account. Ask your local politicians if you have any question.
#2 Mar 11, 2010
When you use a debit card as a credit card it is your responsibility to understand the difference and know how to conduct your transaction accordingly. You are not a victim of anything but your own apathy.
#3 Mar 11, 2010
Read the sign on the gas tank/ Most have a sticker that says "a hold may be placed on your account". Read the inserts that come with your bank statements, too. They'll explain it to you. If you don't like the hold on your account, go inside, use the ATM, withdrawl cash and pay for your gas with cash. Oh yeah, but if it's not your bank's ATM, you'll get a fee. Welcome to the real world.
#4 Aug 9, 2011
The practice is unconscionable. They have absolutely no need or right to do this. A sticker that you may or may not see does not meet the standards of informing the customer. Just because they have been getting away with it is no reason to not stand up to this hostage taking mentality. They have no legitimate claim to a penny more than you purchase for even one moment. Period. They are taking advantage of the gullible and that is downright pathetic.
#5 Aug 11, 2011
Joanne baby! after reading your post I feel that I must tell you, you certainly do sound like an uneducated dimwitted bitch and I do hope that the community meeting you had attended was one of little or no importance to the community whatsoever. As for the intelligence of someone whom would purchase gasoline from a fucking "CHEVRON STATION" at ten/twelve cents per gallon higher than other stations in the area, I will give you the benefit of the doubt and surmise that you purchased this small amount in order to insure that you had enough petrol in you automobile to get you to one of these other stations for a fill up. All of this aside Joanne, you do sound like somewhat of a mature person so, I should not have to tell you that, Bank's and Credit card companies can come up with more ways to fuck! you than two or three of your favorite boyfriends working in unison could ever imagine doing. J.W. Simms.
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