Posted on 05/09/2024 3:49:02 PM PDT by lowbridge
A North Carolina cafe customer is out $2,000 as her go-to diner posted her entire credit card information online for the world to see.
Rhonda Deaver paid her weekly visit to Smith’s Cafe in Kinston following her doctor’s appointment on April 30 and dined at the restaurant, approximately 80 miles southeast of Raleigh.
During her drive home, Deaver received a call from her bank telling her she left her credit card at the cafe.
When she returned to the diner, cafe staff told Deaver they had taken a picture of the front and back of the card and posted it to a local Facebook group to track her down.
“Hey guys, Ms. Rhonda Deaver you’ve left your debit card here at the store, we have placed it in a secure location. Please if you know her let her know we have it and would love to make sure it is returned!!” the cafe posted to the “Word of Mouth Kinston” group.
But the well-meaning gesture wasn’t thoroughly thought out.
The employees forgot to blur out any of the numbers on the card, leaving the personal information open for all ill-intended individuals.
Multiple purchases using the card’s numbers left Deaver responsible for $2,000 worth of charges.
“I couldn’t believe they did that, but I was sick thinking I might be responsible for all those charges,” Deaver told WCTI.
Fortunately, the card’s security feature didn’t allow some of the purchases to go through.
“It had been used a whole lot, a whole lot of declines — but a whole lot that went through,” the aggravated customer said.
(Excerpt) Read more at nypost.com ...
Why is there a problem, if fraudulent charges get removed from an account?
Even the company issuing a debit card would not require her to pay these charges, if only because they have a slam dunk subrogation claim against the diner. As long as they can collect from somebody, they’ll be happy.
This does not make sense as I thought that the credit card companies are responsible for fraudulent purchases. And they should be considering the fact that they allow anyone to used someone else’s credit card. No genuine signature verification even required.
The idiots at the cafe should be responsible for paying the charges.
And if people paid in cash, this would never have happened.
Debit cards are not credit cards so the story it false.
Go2Bank aka Green Dot has it where You can Lock or Unlock the card anytime You want to. Plus Your Government Direct Deposit is usually done 4 days early.
Most banks make You replace the card completely.
Never use debit cards.
Let the banks and cc companies assume responsibility.
Extra layer between you and the world
I get an instant notification by e-mail and text if my credit card is used. Like seconds after it’s run.
I was on a business trip to San Francisco and got a call from my bank to ask me (while I was still in San Francisco) if I was buying a $2,000 home theater in Miami. I had eaten at an Argentinian restaurant two hours before... one of those where they take the credit card away from the table.
Dusky? Aww. Bless your heart.
Very dangerous area.
My friend’s dad lives in the country - he is surrounded by farms and farming families. His family is nearby so all the people I know there are kind and sweet. it is a very poor city and we only go in town to grocery shop or pick up lunch from Kings BBQ.
Debit cards have the exact same protection, otherwise, why would people use debit cards. The bank gives you the money back immediately.
What a silly post. Debit cards are safe to use, as safe as a credit card. Good thing I don’t live in fear of my shadow.
Would make a GREAT SCAM, if it is a scam.
same here
They didnt protect her... that is the gist of the story
Not that I live in fear of my shadow. I am just a more intelligent financial consumer than you are.
ergo:
Liability of debit card versus credit card
When it comes to liability, debit cards and credit cards have different rules. Here’s a breakdown:
Debit Cards:
If you report your debit card lost or stolen within 2 business days of discovering the loss or theft, your maximum liability is $50.
If you report it between 2 business days and 60 days after discovering the loss or theft, your maximum liability is the lesser of $500 or the total amount of unauthorized transactions.
If you fail to report the loss or theft after 60 days, you may be liable for the full amount of unauthorized transactions.
Credit Cards:
Under the Fair Credit Billing Act, your maximum liability for unauthorized charges on a credit card is $50.
Some credit card companies offer $0 liability policies if your card is lost or stolen, meaning you won’t be responsible for any unauthorized charges.
In general, credit cards offer more consumer protection and liability relief than debit cards. This is because credit card companies are more likely to absorb the loss and work with you to resolve any issues. Debit cards, on the other hand, are linked directly to your checking account, so the liability falls on you.
It’s worth noting that some debit card networks, such as Visa and Mastercard, offer zero-liability policies for certain types of transactions. However, these policies may not apply to all debit cards or transactions.
In summary, if you’re concerned about liability, credit cards may be a better option. However, it’s essential to always monitor your accounts regularly and report any suspicious activity to minimize your risk.
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