My debit card does not allow tips

[Nik]

Carry some Cash, Tip with Cash.

He won't, because then he'd actually have to pay the tip.

 

[Narmer]

Why would I get a lawyer? I wouldn't be the one prosecuting you because I'm not a merchant you've admitted to defrauding.



How do you know I'm emotional? Your detatchment from reality must afford you some pretty cool super powers.

I guess if you say "fraud" enough times it must be true, right Nick? I think you're smarter than that, Nick. I said I hope you're not a lawyer because you cannot prove anything, Nick. The only suspect thing you have from me is saying my bank won't honor tips that are very large, Nick. However, you have nothing to show that I've done anything illegal, Nick. Come on, Nick, don't let this thread die with your defeat. Show me an instance where I did something illegal, Nik. Show me.

 

[Nik]

You can't even spell my name correctly. Why would I have to prove anything when you've freely admitted doing so a number of times in this thread, thief?

 

[ShockwaveVT]

OP is a jackass.

"How is it fraud? Who am I defrauding" he asks. The restaurant.

Well that depends on how the restaurant tips out, but based on my limited experience with restaurants, they tend to allow the wait staff to cash out at the end of the shift/night based on the tally of credit/debit receipts & associated tips. AFAIK they don't wait for credit/debit transactions to fully clear the banking system before the wait staff is allowed to cash out.

So 3-5 days later when they get paid $400 from CitiBank instead of $500, the restaurant is stuck with a shortfall that was intentionally inflicted by the OP. If in fact the restaurant waits for full processing and includes only paid-in CC/DC tips in the paychecks, then its the wait staff that gets defrauded.

Recap:
OP promises a tip, with full knowledge that his bank will not pay that second transaction. Meanwhile the restaurant pays wait staff based on that promise. Later the OP's bank does not pay restaurant. Result: the OP has defrauded the restaurant by promising them money he knew that he would not be paying them.

*or*
OP promises a tip, with full knowledge that his bank will not pay that second transaction. Later the OP's bank does not pay restaurant for the tip, so the restaurant doesn't disburse that money to the waiter. Result: the OP has defrauded the waiter by promising them money he knew that he would not be paying them

Either way, it's as simple as making promise to pay a certain amount for goods and services rendered (by writing down the tip and signing your name authorizing the charge) and then later paying less.

Sure the OP can try to blame CitiBank for not processing authorized transactions, but when the OP is knowingly abusing CitiBank's faulty behavior the responsibility lies with him.

The OP can also claim that its not fraud, because he really did intend to pay, it was just mean ole' CitiBank! But knowing what he knows about his bank's behavior, if he really intended to leave the tip he would leave cash.

I'm not a lawyer so I can't speak to the legal standing of the OP's actions, but they are completely unethical.

TLDR: the OP is a troll, and I had 15 minutes to burn

 

[Trey22]

Who cares what the interest rate on a CC is. Get a CC with good rewards and no fees. So what if it's 29% APR or whatever. Just pay it off every cycle so you don't pay interest and get your rewards.

Love my Amex Blue... we don't carry a balance and get somewhere between $500-700 cash back every anniversary.

 

[QueBert]

I guess if you say "fraud" enough times it must be true, right Nick? I think you're smarter than that, Nick. I said I hope you're not a lawyer because you cannot prove anything, Nick. The only suspect thing you have from me is saying my bank won't honor tips that are very large, Nick. However, you have nothing to show that I've done anything illegal, Nick. Come on, Nick, don't let this thread die with your defeat. Show me an instance where I did something illegal, Nik. Show me.

Here's how it's fraud you worthless douche nozzle. If I was a waiter at a restruant where you left one of your "tips" I'd more than likely get paid out at the end of the night. My boss would (safely so) assume the tip is good and I'd get my cut of it. Now explain to me this, when 2 days pass and the "tip" comes back as NSF or whatever happens. Either I have to pay my boss back the lost money, or he takes it in the ass. What you're doing is fraud I don't give 2 shits how you view it. Obviously you don't care so I know it doesn't bother you one way or the other, but you should be locked up. If for nothing else than not knowing what the fuck fraud is. My 11 year old niece would know what you're doing is fraud, but you claim not to? lol

 

[zinfamous]

sounds like fraud to me...but not stealing. what exactly is he stealing?

 

[Nik]

sounds like fraud to me...but not stealing. what exactly is he stealing?

Theft. When he signs the receipt, the money he's promised the establishment is technically no longer his. Refusing to hand over the establishment's money is theft.

 

[Nintendesert]

Hopefully he goes to jail where he won't have to worry about tipping anymore. The OP is a complete douche nozzle.

 

[zinfamous]

Theft. When he signs the receipt, the money he's promised the establishment is technically no longer his. Refusing to hand over the establishment's money is theft.

So basically breaking a contract (the receipt)? I can see that...but aren't most contracts easily, and legally, breakable?

I'm splitting hairs, I guess--as breaking a contract tends to involve legal recourse, but it's hard for me to think of stealing something that wasn't ever there...

doesn't change the fact that this is douchebaggy jackass behavior, though.

 

[Capt Caveman]

Never knew that restaurants had to provide itemized bills to their debit/cc vendor. I would have assumed that the Total Amount of food and tip would be charged to the debit/cc as a single charge.

 

[Kev]

I have probably earned 1000 dollars over my lifetime in rewards money, so those of you who love your debit cards, suck on that.

 

[Nik]

I have probably earned 1000 dollars over my lifetime in rewards money, so those of you who love your debit cards, suck on that.

I've earned 100's of thousands of dollars in low-wage jobs since I started working at age 16. Your thousand dollars is a shitty payoff.

 

[Kev]

I've earned 100's of thousands of dollars in low-wage jobs since I started working at age 16. Your thousand dollars is a shitty payoff.

but i'm getting paid to spend money, whereas you were getting paid to do work.

 

[Nik]

but i'm getting paid to spend money, whereas you were getting paid to do work.

No, you're getting paid to use their services and deal with a shitty company while I'm simply spending the equivalent of my effort to earn it, just like you are, but not dealing with a shitty company

 

[ShawnD1]

You guys are all pussies. I should be able to go around writing as many bum cheques as I want. If they bounce, that's not my fault. That's the banks fault!

 

[Nik]

The banks fault for not having an account set up with money in it ready for me to spend!

Everybody knows this.

 

[mrCide]

Not that I give a shit about the OP but this white knight shit on ATOT is getting old. It's not his responsibility it's the merchant and the banks responsibility. Fraud? Giddy-up..

 

[Nik]

Not that I give a shit about the OP but this white knight shit on ATOT is getting old. It's not his responsibility it's the merchant and the banks responsibility. Fraud? Giddy-up..

If you don't like it here, feel free to return to your cave at 4chan.

 

[Narmer]

Sorry I missed all the name-calling. I just had an awesome lunch. 5 Napkins Burger. I left a good tip.

 

[alkemyst]

Not that I give a shit about the OP but this white knight shit on ATOT is getting old. It's not his responsibility it's the merchant and the banks responsibility. Fraud? Giddy-up..

Hmmm no, it's the customers responsibility to make sure who they are paying gets paid.

 

[Narmer]

Hmmm no, it's the customers responsibility to make sure who they are paying gets paid.

So how am I, the customer, supposed to make sure of that? Let me answer that for you: By having the necessary funds in the account. As he said, anything else is between the bank and the merchant. But that is unacceptable to you, right?

 

[Nik]

So how am I, the customer, supposed to make sure of that?

Since you already know that your bank won't honor large tips (despite your admitting to putting small tips when you want your bank to honor it and putting large tips when you do not want your bank to honor it), the personal responsibility is on you to make sure you bring enough cash for a tip.

You are not ignorant of the issue. You freely admit to abusing your bank's policies to fit your FRAUDULENT agenda.

Let me answer that for you: By having the necessary funds in the account. As he said, anything else is between the bank and the merchant. But that is unacceptable to you, right?

None of what you just said matters.

 

[ShawnD1]

So how am I, the customer, supposed to make sure of that? Let me answer that for you: By having the necessary funds in the account. As he said, anything else is between the bank and the merchant. But that is unacceptable to you, right?

Something that was mentioned earlier seems important. If it's the waiters getting fucked, then that's not ok at all. They don't have any power over this, and that makes it your fault. If it's the business being fucked, then that's not your problem. They could fix that in 2 seconds by just stating "we do not accept debit cards" until they resolve the issue with the bank.

 

[QueBert]

So how am I, the customer, supposed to make sure of that? Let me answer that for you: By having the necessary funds in the account. As he said, anything else is between the bank and the merchant. But that is unacceptable to you, right?

Here's 2 scenarios, see if you can spot the difference between the them

1. Bob goes to lunch, he writes down $8.50 for the tip amount on his CC receipt, but unknown to him his bank won't run this 2nd transaction. Bob's an average American so he doesn't notice the small $ amount not being taken out his bank account. I am sure Bob just assumed it worked. Bob's in the clear here because it was an honest mistake, and there's a good chance Bob's an honest person. And an honest person might actually go back and make it right, assuming the restaurant wasn't 50 miles away or something.

2. Ass nozzle Steve goes out to eat and knowing his bank won't process the tip charge, but decides to write something there any ways, instead of being a decent human being and actually leaving a tip that the server deserved. Steve's such a shitfuck he doesn't even have the decency to leave it blank. Which would still be a douche move, but Steve has managed to take being a douche to a whole new galaxy.

Do you see the difference? And FYI I'm like Bob and have returned to a place I ate at when for whatever reason a tip I left didn't go thru. Server was amazed I went to the trouble, and not shockingly the next time I had that server they remembered and I got hooked up.

If you're okay with being a total POS for doing this, that's great. But what you're doing's wrong, you can argue that it's not fraud blah blah, but it's morally wrong. And anyone with a conscious would never do this. I hope Karma busts a big wad all over your face one day.