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(NewsChannel 5 Nashville)   Everyone knows that it costs a lot to fill up your car these days, but $84,522.54 of your life savings to top off your tank is a little much?   (newschannel5.com) divider line 95
    More: Strange, bank statements, gas tanks, customer service representative  
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10277 clicks; posted to Main » on 14 Jul 2012 at 5:01 PM (2 years ago)   |  Favorite    |   share:  Share on Twitter share via Email Share on Facebook   more»



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2012-07-14 03:36:39 PM
F*ck you Citibank.
 
2012-07-14 04:53:43 PM
So Citibank let an $84,000 transaction go through without calling the account holder to make sure that the transaction was legit? EPIC FAIL
 
2012-07-14 05:05:19 PM

dustman81: So Citibank let an $84,000 transaction go through without calling the account holder to make sure that the transaction was legit? EPIC FAIL


At a damn gas station, no less.
 
2012-07-14 05:09:07 PM
Was it a strip club/gas station? That would explain the charge.
 
2012-07-14 05:09:55 PM
I'd be dropping that card like a hot rock as soon as it was straightened out. And it will be but this is farked up.
 
2012-07-14 05:10:35 PM
Not just that guy, a Mapco in Murfreesboro charged a Redditor's girlfriend $58,000 around the same time... Story Link

i.imgur.com


Looks like Mapco's standard buy-off is a $100 card. I don't think that will do for Mr. Crockett (unless he's a wimp.)
 
2012-07-14 05:11:26 PM

JasonOfOrillia: Was it a strip club/gas station? That would explain the charge.


Bob's Pump 'n' Hump?
 
2012-07-14 05:13:35 PM

DrRatchet: Not just that guy, a Mapco in Murfreesboro charged a Redditor's girlfriend $58,000 around the same time... Story Link

[i.imgur.com image 480x640]


Looks like Mapco's standard buy-off is a $100 card. I don't think that will do for Mr. Crockett (unless he's a wimp.)


Apparently they charged her $22.47 for the inconvenience, too.
 
2012-07-14 05:14:45 PM

dustman81: So Citibank let an $84,000 transaction go through without calling the account holder to make sure that the transaction was legit? EPIC FAIL


Worse. Citibank let an $84,000 transaction go through on a DEBIT CARD when there was only a few hundred dollars in the account -- and is at least 5-10x the daily max approved for a low dollar account debit card anyway.

Citibank farked up big time, and is "looking into it" while their customer is screwed.

/ I'm shocked... SHOCKED by such behavior coming from bankers of all people.
 
2012-07-14 05:18:47 PM
Is anybody else incredibly disappointed and unnerved that both the bank and the gas station told this poor guy that there was nothing more they could do for him, and maintained that stance only until the rest of the world found out about their dickery?
 
2012-07-14 05:18:54 PM
Just the other day I tried to withdrawal $200 from a BoA cash machine and it gave me an error message but they took out the money anyway. So after spending a half hour on the phone I had to go to the office and they said they would credit me by Tuesday. Now if I were shiatfaced, which I usually am when I withdrawal that much money, I would have forgotten all about it. I wonder how much they make on that alone.
 
2012-07-14 05:19:03 PM
This is one of the major reasons to use a credit card.

Some people say "Why would I? I don't carry a balance." Nor should you, you should use a credit card like a debit card, only charge what you can afford and pay it off every month. However it protects you from shiat like this because it changes the issue of possession in the event of a mistake or dispute. With a debit card, the money is gone from your account. You are asking your bank to give you the money back. With a credit card, nothing is gone, you are simply challenging that you owe the money at all.

It is a much stronger position. You can get locked out of the CC account, but your bank account isn't empty if something like this happens. Also, in the event it ultimately can't be resolved to your satisfaction, you still operate from the stronger position. With a debit card you'd have to take the bank to court to force them to give you your money if they just flat out refused. With a credit card, they'd have to take you to court.

So use a CC. It means in the event of retardation like this, your life will suck significantly less.
 
2012-07-14 05:20:22 PM

JadedRaverLA: dustman81: So Citibank let an $84,000 transaction go through without calling the account holder to make sure that the transaction was legit? EPIC FAIL

Worse. Citibank let an $84,000 transaction go through on a DEBIT CARD when there was only a few hundred dollars in the account -- and is at least 5-10x the daily max approved for a low dollar account debit card anyway.

Citibank farked up big time, and is "looking into it" while their customer is screwed.

/ I'm shocked... SHOCKED by such behavior coming from bankers of all people.


Maybe he signed the thing to let them allow overdrafts.

Those notices pissed me off, the way it was worded was very sneaky and designed to make people panic into continuing to allow something that gives you a $33 overdraft fee. Had four bank accounts at the time, so I had to say fark no to four of those screens. And then they called me up and asked me again.
 
2012-07-14 05:20:32 PM
FOLLOWUP story At least three overcharges now. From the link:

Here's what we do know: All three customers used debit cards, went inside to pay and used their Mapco rewards card.

$58,278.35, $84,522.54, and $84,073.85. I'm going to go out on a limb here and guess that the cardnumber of these customers Mapco reward cards contans (holds envelope to forehead) 5827835, 8452254, and 8407385.
 
2012-07-14 05:20:59 PM
Without even knowing all the facts, but having dealt with Citi in the past, I'm going to go ahead and mark this down as yet another reason that Citi will forever be one of my top 10 most hated companies.
 
2012-07-14 05:21:35 PM
This is why you sign up for overdraft protection.
 
2012-07-14 05:22:52 PM
I still don't quite understand the benefits of a debit card over a credit card other for those with zero self shopping control.
 
2012-07-14 05:23:51 PM

dustman81: So Citibank let an $84,000 transaction go through without calling the account holder to make sure that the transaction was legit? EPIC FAIL


This is a variation on what I was pondering. There's no way a bank would have let someone going paycheck to paycheck just suddenly overdraft nearly six figures. No.
+ the gas station apparently never got any of this money, so "no" there as well.
It's obvious to everyone but Citibank this isn't what actually happened.

I'd judge this is some rare computer hiccup on the part of Citibank, but considering the amounts involved, there's no one high enough on the totem pole to deal with it who is also contactable by the general public, so his account is still running under the default overdraft protocol, as if a legitimate overdraft occured ,until someone can actually redflag it in the system. It's similar to that guy who got a trillion dollar IRS bill, or the guy who got a hundred billion dollar phone bill from Sprint a few years back when they merged with Bell. No one at the IRS or Sprint helpline has the authority simply forgive a trillion dollars in payments, as they could a penny difference here or there, so they need to track down some VP of computer development who can actually audit the code and discover where these bills are coming from and nullify them. If the company doesn't have a good complaint escalation policy, this may never actually happen; and can actually require a lawsuit to accomplish.
 
2012-07-14 05:27:58 PM
I have no sympathy. It's his own fault for buying an SUV.
 
2012-07-14 05:27:59 PM
They always hold out until you bring in the press and bad publicity starts flying their way.
 
2012-07-14 05:28:04 PM

Phoenix87ta: Is anybody else incredibly disappointed and unnerved that both the bank and the gas station told this poor guy that there was nothing more they could do for him, and maintained that stance only until the rest of the world found out about their dickery?


Disappointed? Yes.

Surprised? Not in the least.

forcebender: I still don't quite understand the benefits of a debit card over a credit card other for those with zero self shopping control.


I don't have to pay interest on transactions made with my debit card.
 
2012-07-14 05:29:19 PM
Well, apart from Citibank failing to have a catch in the systems for odd transactions, Mapco seems to be acting less than total douche. But they have farked up in their system somewhere.

If you want to be really insidious you'd tack on an extra buck or three to each transaction. Few people review their statements that closely.
 
2012-07-14 05:29:51 PM

ladyfortuna: Apparently they charged her $22.47 for the inconvenience, too.


I'm pretty sure that's the legitimate amount of the charge.
 
2012-07-14 05:30:23 PM

Lachwen:
forcebender: I still don't quite understand the benefits of a debit card over a credit card other for those with zero self shopping control.

I don't have to pay interest on transactions made with my debit card.


Nor do you on a CC if you pay off the balance quickly enough.
 
2012-07-14 05:32:03 PM
Mrs.Kritter is two months into a clusterfark CC identity scam involving BoA, Discover and a few small chain banks in FLA. So far BoA ate over $13K of bad charges in a 5 day stretch in NYC. Now she's playing Sherlock Holmes trying to find out why Discover accepted a bogus transfer/payment to a red flagged account. She's on the telephone with these people every farking day. Shows me no matter how well locked-down and careful you are we are all victims in waiting.
 
2012-07-14 05:32:38 PM

sycraft: This is one of the major reasons to use a credit card.

Some people say "Why would I? I don't carry a balance." Nor should you, you should use a credit card like a debit card, only charge what you can afford and pay it off every month. However it protects you from shiat like this because it changes the issue of possession in the event of a mistake or dispute. With a debit card, the money is gone from your account. You are asking your bank to give you the money back. With a credit card, nothing is gone, you are simply challenging that you owe the money at all.

It is a much stronger position. You can get locked out of the CC account, but your bank account isn't empty if something like this happens. Also, in the event it ultimately can't be resolved to your satisfaction, you still operate from the stronger position. With a debit card you'd have to take the bank to court to force them to give you your money if they just flat out refused. With a credit card, they'd have to take you to court.

So use a CC. It means in the event of retardation like this, your life will suck significantly less.


So much this.Also if you have a second credit card with a different bank you are protected. Send a certified letter disputing the charge, use secondary card till resolved and pay undisputed amount and you probably can not even be stuck with any overdraft fees.
 
2012-07-14 05:32:59 PM
The follow up article points to a "major oil company that processes the debit transaction", so there's another layer besides Citibank.

They likely have flags for transactions, but it could be that this particular payment processor is routed in such a way that the usual flags don't get raised.

With financial issues like this single point of failures where you can place the blame on one sole thing or entity are rare.
 
2012-07-14 05:36:30 PM

zamboni: I have no sympathy. It's his own fault for buying an SUV.


Funny part is he could have bought a really nice one for that amount.
 
2012-07-14 05:37:57 PM

sycraft: This is one of the major reasons to use a credit card.

Some people say "Why would I? I don't carry a balance." Nor should you, you should use a credit card like a debit card, only charge what you can afford and pay it off every month. However it protects you from shiat like this because it changes the issue of possession in the event of a mistake or dispute. With a debit card, the money is gone from your account. You are asking your bank to give you the money back. With a credit card, nothing is gone, you are simply challenging that you owe the money at all.

It is a much stronger position. You can get locked out of the CC account, but your bank account isn't empty if something like this happens. Also, in the event it ultimately can't be resolved to your satisfaction, you still operate from the stronger position. With a debit card you'd have to take the bank to court to force them to give you your money if they just flat out refused. With a credit card, they'd have to take you to court.

So use a CC. It means in the event of retardation like this, your life will suck significantly less.


Excellent advice!
 
2012-07-14 05:38:24 PM
How is it that I can't spend $500 without calling the bank, but transactions like this always go through? Some asshat got my card number and charged almost $3,000 at Sears online recently, and the bank just takes it straight out of my debit account. I use my card at a few different stores near my house in one day totaling less than $500, and I have to call fraud prevention department to allow me to use my own money.
 
2012-07-14 05:38:33 PM
Grammar can be tricky, but subby should know the difference between a question and a statement?
 
2012-07-14 05:39:53 PM
Also, I did get a separate credit card for the first time after that fraud stuff.

sycraft: This is one of the major reasons to use a credit card.

Some people say "Why would I? I don't carry a balance." Nor should you, you should use a credit card like a debit card, only charge what you can afford and pay it off every month. However it protects you from shiat like this because it changes the issue of possession in the event of a mistake or dispute. With a debit card, the money is gone from your account. You are asking your bank to give you the money back. With a credit card, nothing is gone, you are simply challenging that you owe the money at all.

It is a much stronger position. You can get locked out of the CC account, but your bank account isn't empty if something like this happens. Also, in the event it ultimately can't be resolved to your satisfaction, you still operate from the stronger position. With a debit card you'd have to take the bank to court to force them to give you your money if they just flat out refused. With a credit card, they'd have to take you to court.

So use a CC. It means in the event of retardation like this, your life will suck significantly less.

 
2012-07-14 05:41:20 PM
Debit cards are for people too stupid to only use a credit card for what you need, and then pay off the whole balance every month. Period. That includes people who can't get credit cards because of whatever. There are credit cards that function like a debit card/savings account where you have the money saved just like a debit card if you can't get a traditional credit card.
 
2012-07-14 05:42:29 PM

DrRatchet: Not just that guy, a Mapco in Murfreesboro charged a Redditor's girlfriend...


I'm amazed that just about anyone can find themselves bestowed with some sort of title these days...
 
2012-07-14 05:42:44 PM
These are clearly unauthorized charges. According to Fartbongo's FDIC ELECTRONIC FUND TRANSFERS law, Regulation E, you may be held liable for unauthorized transactions in 3 tiers: $50 if you give the bank "timely notice" of the unauthorized charge (within 2 days of finding out about it) or $500 if you wait up to 60 days. After that, you are screwed.

It sounds like Crockett reported it within two days, and has the receipt to prove that the charge is unauthorized. Citi as well as Mapco are on the hook for dropping this one.
 
2012-07-14 05:43:31 PM
My grandparents tried to withdraw their pension check from an ATM in their town. The sound of money shuffling came out, the machine beeped a few times, but when the slot opened, no money. The machine insisted it had given them the money though. They had to fight with the bank for three months, and in the end my grandfather had to drive to their head office in Victoria and argue with them there. FINALLY they agreed that there had been a problem with the machine and that they would return the money to his account. It took four months for them to get that bloody check.
 
2012-07-14 05:44:30 PM

ladyfortuna: JadedRaverLA: dustman81: So Citibank let an $84,000 transaction go through without calling the account holder to make sure that the transaction was legit? EPIC FAIL

Worse. Citibank let an $84,000 transaction go through on a DEBIT CARD when there was only a few hundred dollars in the account -- and is at least 5-10x the daily max approved for a low dollar account debit card anyway.

Citibank farked up big time, and is "looking into it" while their customer is screwed.

/ I'm shocked... SHOCKED by such behavior coming from bankers of all people.

Maybe he signed the thing to let them allow overdrafts.

Those notices pissed me off, the way it was worded was very sneaky and designed to make people panic into continuing to allow something that gives you a $33 overdraft fee. Had four bank accounts at the time, so I had to say fark no to four of those screens. And then they called me up and asked me again.


Yeah, the banks really tried to pull a fast one with that... but no bank (and certainly not Citibank) is giving someone with that little money $85k in overdraft protection. They'd let slide $85 to get their $30-40 fee, but $85,000 -- not a chance.

sdd2000: sycraft: This is one of the major reasons to use a credit card.

Some people say "Why would I? I don't carry a balance." Nor should you, you should use a credit card like a debit card, only charge what you can afford and pay it off every month. However it protects you from shiat like this because it changes the issue of possession in the event of a mistake or dispute. With a debit card, the money is gone from your account. You are asking your bank to give you the money back. With a credit card, nothing is gone, you are simply challenging that you owe the money at all.

It is a much stronger position. You can get locked out of the CC account, but your bank account isn't empty if something like this happens. Also, in the event it ultimately can't be resolved to your satisfaction, you still operate from the stronger position. With a debit card you'd have to take the bank to court to force them to give you your money if they just flat out refused. With a credit card, they'd have to take you to court.

So use a CC. It means in the event of retardation like this, your life will suck significantly less.

So much this.Also if you have a second credit card with a different bank you are protected. Send a certified letter disputing the charge, use secondary card till resolved and pay undisputed amount and you probably can not even be stuck with any overdraft fees.


That's my advice as well. But keep in mind that "good" credit cards aren't being handed out to anyone and everyone like they were before the credit crisis. The percentage of people who qualify for a medium-to-high limit card with no annual fee is getting smaller and smaller. Given this person's actual account balance, this guy likely doesn't have the combined income and credit score necessary to get one decent credit card... much less two.
 
2012-07-14 05:45:19 PM

KrispyKritter: Mrs.Kritter is two months into a clusterfark CC identity scam involving BoA, Discover and a few small chain banks in FLA. So far BoA ate over $13K of bad charges in a 5 day stretch in NYC. Now she's playing Sherlock Holmes trying to find out why Discover accepted a bogus transfer/payment to a red flagged account. She's on the telephone with these people every farking day. Shows me no matter how well locked-down and careful you are we are all victims in waiting.


If you haven't already, you can go to your local police station and ask to fill out a 'miscellaneous incident report'. This puts documentation of the crime in a ready format, and lends a lot of clout when hitting credit companies over the head.
 
2012-07-14 05:45:42 PM

consider this: This is why you sign up for overdraft protection.


uh, no it's not. As mentioned the soln is use CC, period. Or cash. Even though merchants will soon start hitting up customer for the soon to be higher vig, CC provide the ONLY method of protection when using visa. The Citibank algorithm that allowed this guys account to debit $85K is to blame, that and point of sale algorithm that allows $85K to be entered into the debit field for a KNOWN ad hod gasoline purchase that would never top hundreds of dollars even for semi trucks.

There are many reasons to have overdraft from one account to another, this ain't one of them.
 
2012-07-14 05:47:06 PM

ladyfortuna: Lachwen:
forcebender: I still don't quite understand the benefits of a debit card over a credit card other for those with zero self shopping control.

I don't have to pay interest on transactions made with my debit card.

Nor do you on a CC if you pay off the balance quickly enough.


Not only that, but if you have a rewards or cash back card that you pay off every month, you basically pay negative interest. Last year I got paid $400 from my Costco Amex, and I earned around 20,000 miles off of my Alaska Air Visa that I run all of my work travel expenses through. Outside of a couple of big ticket purchases (new furniture and a television) that I'm floating on 0% interest promos, I'm not carrying a balance on any of my cards long enough to be charged interest.
 
2012-07-14 05:49:34 PM

Wingless: My grandparents tried to withdraw their pension check from an ATM in their town. The sound of money shuffling came out, the machine beeped a few times, but when the slot opened, no money. The machine insisted it had given them the money though. They had to fight with the bank for three months, and in the end my grandfather had to drive to their head office in Victoria and argue with them there. FINALLY they agreed that there had been a problem with the machine and that they would return the money to his account. It took four months for them to get that bloody check.


I've had one instance of an ATM shorting me money (20 bucks) and it was credited back to my account before I even had a chance to talk to somebody about it.
 
2012-07-14 05:50:56 PM
I did a little checking to see what other sources had to say, and it seems that the fellows over at The Consumerist have something dodgey going on, or at least Google thinks so.

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2012-07-14 05:51:09 PM
Lawyer up and have fun.
 
2012-07-14 05:56:59 PM
NewsChannel 5 Investigates asked a Citibank customer service representative, "Why doesn't Citibank contact Mapco and get the $84,000? Why are you sticking Mr. Crockett in the middle of this when he had nothing to do with this?"

"Because this is his account," the employee answered.


HOLY shiat!

This is the level of service and care they give you?! If you ask me you deserve no less! Back to the fields peasants!
 
2012-07-14 05:58:33 PM

no icon tact: consider this: This is why you sign up for overdraft protection.

uh, no it's not. As mentioned the soln is use CC, period. Or cash. Even though merchants will soon start hitting up customer for the soon to be higher vig, CC provide the ONLY method of protection when using visa. The Citibank algorithm that allowed this guys account to debit $85K is to blame, that and point of sale algorithm that allows $85K to be entered into the debit field for a KNOWN ad hod gasoline purchase that would never top hundreds of dollars even for semi trucks.

There are many reasons to have overdraft from one account to another, this ain't one of them.



I'm thinking he meant to say 'this is why you decline overdraft protection when you sign up an account'. Given the frequency of actual paper checks I write, if one actually overdrafts my account, odds are it is almost certainly fraudulent; and should be declined, rather than given the benefit of the doubt.
 
2012-07-14 06:05:51 PM
These figures could be realistic in the near future thanks to you Americans allowing wall street to play fast and loose with the price of texas crude/bbl and then not forcing them to face the consequences after the crash of '08 but in fact bailing them out and rewarding them for financially molesting you, me, and the rest of the world.

/if it had to be done, why couldn't bin Laden have targeted wall street instead?
 
2012-07-14 06:06:11 PM
Not to be Debbie Downer, but it only took a few grand of his "life savings". The rest was all overdraft.
 
2012-07-14 06:09:06 PM
Also, this is why I am proud to have shiatty credit and glad my bank limits my daily withdrawals and debit purchases to under five grand.
 
2012-07-14 06:17:26 PM

dustman81: So Citibank let an $84,000 transaction go through without calling the account holder to make sure that the transaction was legit? EPIC FAIL


If I Ran The World, somebody at Citibank would be dragged out into the street and executed for this.

Not just for the initial screwup, but because (according to TFA), Citibank claims it's now the dude's responsibility to get the money back from the gas station and return it to Citibank.
 
2012-07-14 06:20:09 PM
Now I can feel a bit superior by avoiding this problem at all by always using cash at a gas station. My CU is really close, so I can get all the $$ I need without paying a bank fee. My debit card is also a check card, but gas stations like to put holds on the account when I use it. A 50.00 hold for 20 bucks worth of gas? FU, buddy, here's a twenty.
 
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