This Is Why I Don't Use Debit Cards

[Jay]

Someone close to me just lost $250 out of her savings because a store charged her debit card 10 times for the same transaction. When, days later, they reversed all but one of the charges, the overdraft fees for those 9 charges went away as well, but not the overdrafts for all the other purchases made during that period.

When she contacted her bank, they said it was the store's responsibility and to contact them for reimbursement. When she finally got a hold of them, they said she needed to fill out a form and send it to them with an unaltered (eg, intact account #s etc) bank statement. Oh and that form would get mailed out to her sometime in the next month.

consumerist.com/5356770/bank-piles-on-overdraft-fees-due-to-merchant-error-doesnt-seem-too-keen-on-refunding-them

[sarahm]

That has happened to me twice, luckily I caught both transactions while still in the stores.

[el Gusano]

It happened to me with a check once, about 15 years ago. Was charged $900 something instead of $90 something. I was told the same thing by the bank. Contacted a lawyer, and they were right.

So, I switched to SunTrust. Same thing happened, only thing is, they said, "We'll take care of it all".

[Tookie]

Suntrust is good about helping when this happens. A few years back someone used my debit card number and charged over $1,300 worth of crap. I notified Suntrust and they immediately deposited the same questioned amount back into my account while they conducted their investigation. I was informed that if they found that I had made any of the questioned charges, I would have my account debited for that amount. They found all of them not legitimate and prosecuted the ones who used my card number.

[Jay]

I use an ATM card to get money out of the bank and a credit card to buy things. I think it's much safer that way.. Less worries!

[Scarlet&Gray]

Cash the only way to fly.

[Jay]

I like using credit cards. It helps me keep track of what I spend and I get points for buying stuff. As long as I pay it off at the end of the month, I don't have to pay any interest either.