Got Ripped Off

[the_predator]

Well the other night was a friends birthday. He wanted to go to a not so close(2hrs away) no top strip club. Having a great time and ran out of cash so I made the mistake of opening a tab with a debit card. I walked out of the club thinking I only spent $50 bucks(that is what I signed for). Checked my online account and was charged $150. Well after seeing red and wanting to kill that piece of shit bartender I calmed down and started to do some research. It appears this club has done this stuff to a few out of towners in the past. Seems not matter what they spent on their debit cards whether it be $10 or $100 dollars it always comes back at a $150 dollar charge. Other then calling my bank which is closed for the day(have to wait till Monday)to try to dispute the payment(which in doing my research, seems that if you use debit you are screwed) anybody got any other ideas? And no I was a freaking retard and did not get/ask for a receipt. Somebody, back in 2010 tried to get a lawsuit going but didn't fair well because the establishment is well backed. Do I have to eat the $100? Feel free to flame me for being to stupid to get a receipt also. Any help is greatly appreciated.

 

[dieseljimmy]

Man that's unfortunate.
I only carry cash and powder money when I go to strip clubs.
Let it go... Live and learn.

 

[OfficerFarva]

You're lucky it's only a $100. I have friends who have been ripped off thousands because they were to shit faced to realize what was going on. Never carry plastic on you when you go out, just cash.

 

[PushAndPull]

How could it be debit? You use your debit card as a credit card in bars/strip clubs. You have to sign for the bill and they have an additional spot for their tip. This doesn't make any sense.

 

[OfficerFarva]

How could it be debit? You use your debit card as a credit card in bars/strip clubs. You have to sign for the bill and they have an additional spot for their tip. This doesn't make any sense.

It makes perfect sense. He was shit faced and they knew that so when he went to pay his bill they charged him a lot more than he bought. Being shit faced he didn't realize how much he was being charged and didn't bother getting a receipt.

 

[vicious 13]

Yea bro cash only for me at bars or strip clubs shady business

 

[charley]

[h=2]Got Ripped Off !!!!!!!!!![/h]Feel free to flame me for being to stupid to get a receipt also. Any help is greatly appreciated.[no need to flame]

.....My answer is a friend of mine called 'brick'.....after hours I'd drive by and throw my friend[brick] through the window.

....my friend ...

.....thats me....

...after go home and have a beer......

 

[heckler7]

you didnt get a reciept? did you buy any hard liquor, shots and mixed drinks add up quick, Ive spent alot more than that at regular bars but strip clubs charge alot more for the ambiance

 

[the_predator]

Thanks for all the comments guys. I have calmed down and excepted the fact that I got taken for my stupidity in the moment. As DieselJimmy says "live and learn". I guess it just really killed me because I only go out once every 3 months or so for a "guys night". Married guys no what I mean. Like OfficerFarva said, "it could have been worse". I could have got taken for alot more. Anyway thanks for making me feel better guys.

 

[The Prototype]

Dispute it. You don't need a receipt. When a charge is disputed its the retailer that has to prove he's right by having a signed copy of your receipt. As long as you don't dispute a lot of transactions, you will almost always get your money back. My friend spent $500 at a strip club once and he reported his card lost/stolen the next morning and got the money back even though he spent it and didn't report it lost/stolen until after the transaction. He just said he didn't realize it was gone until he woke up.

 

[PushAndPull]

It makes perfect sense. He was shit faced and they knew that so when he went to pay his bill they charged him a lot more than he bought. Being shit faced he didn't realize how much he was being charged and didn't bother getting a receipt.

No it's the debit part that doesn't make sense. I doubt he will be able to dispute it because he signed for it. No bar/strip club takes debit, because they want tips.

 

[c4x]

Dispute it. You don't need a receipt. When a charge is disputed its the retailer that has to prove he's right by having a signed copy of your receipt. As long as you don't dispute a lot of transactions, you will almost always get your money back. My friend spent $500 at a strip club once and he reported his card lost/stolen the next morning and got the money back even though he spent it and didn't report it lost/stolen until after the transaction. He just said he didn't realize it was gone until he woke up.

He is correct. Legally if you dispute a payment your bank is obligated to review that point of sale then tht establishment must provide proof of purchase. Then they are blacklisted and then most transactions will be documented by your bank from that place of business. A simple phone call to your bank will fix. Just be nice at first then become an asshole, i was a banker before the navy. I know how this shit works. If you dont push hard enough we dont do much, so push hard

 

[withoutrulers]

I'm not going to encourage you to engage in arson, and I'm definitely not gonna tell you the A.L.F. used half and half motor oil/gas mixture in a paint bucket under an awning to transfer heat most effectively to the target structure.

 

[heckler7]

one slashed tire should recoup that loss

 

[the_predator]

The debit card I have can make purchases by using your pin or like a credit card with a signature. I was drunk but i wasnt completely wasted, I know I only spent $50 on drinks because I only bought one round the whole time we were their because most of us "pregamed" it before going out. I had a feeling right from the start the bartender was shady because as I was waiting to get drinks he was asking everyone if they wanted to open a tab, even guys paying with cash. Any way, I opened the tab thinking we were going to drink more, but most of the effort was concentrated on the stripper's tits. Next thing I know it's last call and I get a bill for $50 dollars. I signed it for $50 but I know that prick bartender added a 1 before the 50 or gave himself a $100 dollar tip as I left the tip section open because I was hurrying to close my tab and obviously was not sober. I didn't realize till I got home and checked online and well the rest is in my first post. I figure I am screwed because I signed...my word vs theirs

 

[LAM]

No it's the debit part that doesn't make sense. I doubt he will be able to dispute it because he signed for it. No bar/strip club takes debit, because they want tips.

the laws are favored towards banks and the use of credit, which is their form of "money". debit cards are based on paper currency which is the form of "money" used by labor.

that's the difference, one is more protected by law than the other.

 

[PushAndPull]

I figure I am screwed because I signed...my word vs theirs

Yup, not going to be able to do jack. Yet lesson learned. Never leave the tip spot blank and always get a receipt. I bet in the future no matter how wasted you get, you'll never forget that.

 

[sofargone561]

Dispute it. You don't need a receipt. When a charge is disputed its the retailer that has to prove he's right by having a signed copy of your receipt. As long as you don't dispute a lot of transactions, you will almost always get your money back. My friend spent $500 at a strip club once and he reported his card lost/stolen the next morning and got the money back even though he spent it and didn't report it lost/stolen until after the transaction. He just said he didn't realize it was gone until he woke up.

this^

 

[PushAndPull]

the laws are favored towards banks and the use of credit, which is their form of "money". debit cards are based on paper currency which is the form of "money" used by labor.

that's the difference, one is more protected by law than the other.

Regardless if he used a normal credit card or his debit card as a credit card it makes no difference? You can't not pay attention to the bills you're signing then expect sombody to bail you out later if the bill is incorrect.

 

[Intense]

Hit em where it hurts...




write bad reviews everywherez

 

[heckler7]

Hit em where it hurts...




write bad reviews everywherez

lol post it on yelp

 

[LAM]

Regardless if he used a normal credit card or his debit card as a credit card it makes no difference? You can't not pay attention to the bills you're signing then expect sombody to bail you out later if the bill is incorrect.

it certainly does matter because the transactions are not the same:

A) Debit card transaction involves the purchaser, the merchant either Visa or Mastercard organizations (which are cooperative ventures) and your bank. the electronic money is immediately withdrawn from your account.

B) Credit card transactions involve the purchaser, the merchant either Visa or Mastercard organizations and the bank which handles merchants credit card account along with the bank that issued your card. the electronic money is sent from your credit card bank to the bank of the merchant all of which is generated on computers and with debt. credit card banks do not have deposits of cashing sitting in vaults somewhere. every transaction is debt based using paper and electronic transfers. the only paper money being transferred is when you make a monthly payment to your credit card company.

a "loss" by a credit card company and it's bank can be written off which lowers tax liabilities or moved to off-balance sheet reports


the 2 transactions are far from the same

 

[Watson]

if u post enough shit online under enough fake names it will cause them grief, got crabs from the toilets, roache in ur food, one of the girls is HIV positive.....

ull never get ur money back cause they will just say they have a minimum charge...........

 

[the_predator]

Once again thank you guys for all the replies and advice, but I have made a decision...I am just going to burn the place down! Writing reviews on yelp or what ever would take to long, plus I have more important things to do like shitting on my ass and reading threads on IM forums. All kidding aside, thanks guys!

 

[PushAndPull]

it certainly does matter because the transactions are not the same:

A) Debit card transaction involves the purchaser, the merchant either Visa or Mastercard organizations (which are cooperative ventures) and your bank. the electronic money is immediately withdrawn from your account.

B) Credit card transactions involve the purchaser, the merchant either Visa or Mastercard organizations and the bank which handles merchants credit card account along with the bank that issued your card. the electronic money is sent from your credit card bank to the bank of the merchant all of which is generated on computers and with debt. credit card banks do not have deposits of cashing sitting in vaults somewhere. every transaction is debt based using paper and electronic transfers. the only paper money being transferred is when you make a monthly payment to your credit card company.

a "loss" by a credit card company and it's bank can be written off which lowers tax liabilities or moved to off-balance sheet reports


the 2 transactions are far from the same

Ok so how is it different in this case? He used his debit card as a credit card and signed for the purchase, the exact smae way he would otherwise. He wouldn't have any better chance getting his money back if he used a normal credit card.

 

[LAM]

if the debit transaction was processed on a Visa/Mastercard network then most likely it would be covered. Visa/Mastercard have zero liability policies.

generally debit transactions conducted on a non-Visa/Mastercard network with or w/o the PIN being entered are not covered by that zero liability policy. the banks have to state their policy in the Reg E disclosure (I think) , which is some of that small print stuff that just about nobody reads.

and it's why security experts tell people not to use their debit cards out in public for these types of purchases. there are a lot of retailers out there that try to save costs on these transactions (debit PIN or non-PIN) by either using equipment that is not PCI compliant or utilize a non-Visa network. and there are also thousands of small banks across the country, all with different policies. another "benefit" of financial deregulation in the 80's.

people assume that because the card bears the Visa/MasterCard log that they are protected but that is not always the case. there can be 5-6 different institutions in the entire chain of events.

it's at the very bottom of the page:
Debit | Personal | Visa USA

 

[PushAndPull]

if the debit transaction was processed on a Visa/Mastercard network then most likely it would be covered. Visa/Mastercard have zero liability policies.

I don't see an unauthorized purchase in this case?

There's no way he's getting his money back, regardless of the type of card he used. He authorized the purchase, and there is nothing suspicious about the bill as far as the amount goes. His story would basically be: I was so intoxicated at the time, that I didn't review the bill before signing it and did not obtain a copy. Yet I was sober enough to recall the exact number of drinks I ordered, there prices, so I know they overcharged me a 100 dollars. No card is going to get his money back.

 

[maniclion]

One time I was getting plastered while pills and had made 2 trips to atms in the night, so the third time I dropped my card in the deposit slot of my bank to prevent myself from withdrawing more money. Went back the next day and got it back. Smartest move I ever made while wasted to the core.

 

[ALBOB]

I don't see an unauthorized purchase in this case?

There's no way he's getting his money back, regardless of the type of card he used. He authorized the purchase, and there is nothing suspicious about the bill as far as the amount goes. His story would basically be: I was so intoxicated at the time, that I didn't review the bill before signing it and did not obtain a copy. Yet I was sober enough to recall the exact number of drinks I ordered, there prices, so I know they overcharged me a 100 dollars. No card is going to get his money back.

I don't think you're reading the OP correctly. There most certainly is something suspicious about the amount. He signed for $50 but got charged $150. Seems to be $100 suspicious to me.

 

[PushAndPull]

I don't think you're reading the OP correctly. There most certainly is something suspicious about the amount. He signed for $50 but got charged $150. Seems to be $100 suspicious to me.

I'm reading it fine. No, there is nothing suspicious about the amount. Spending 150 dollars for a night of drinking at an overpriced strip club is not out of the ordinary. If the bill was 2000 dollars that would send up red flags and you might be able to make a case just on the amount alone. He needs a special reason to challenge the bill since he signed for it.