athene_niu
Registered User
- Messages
- 26
Retailers, under the terms of their agreement with the card-company, may either accept the card in settlement of a transaction or they may decline it. They are not entitled to ask for additional evidence of the identity of the person presenting the card.
Several things about your story strike me as confusing:
Retailers, under the terms of their agreement with the card-company, may either accept the card in settlement of a transaction or they may decline it. They are not entitled to ask for additional evidence of the identity of the person presenting the card.
Never allow your card to be taken away from your table. Retailers have wireless card-verifiers / readers that they bring to your table or to the counter. Their purpose is to avoid having cards skimmed.
If you are claiming the the transaction was unauthorised, why are the bank insisting on a receipt for an unauthorised transactio / stolen money? You want your card credited with 86$, tell them to get on with it, or escalate the issue.
You need to pursue the complaints procedure with Bank of Ireland.
If/when you have exhausted this and are still not satisfied then you progress on to the Ombudsman.
Have you tried e-mailing the restaurant also?
Thank you very much for the link.
I haven't contact the restaurant, do you think will that useful ?
I don't know why. maybe they think 86 is not too much so I won't notice? By the way the 30 USD is already paid by cash from my friend.Why was the credit card charge for 86 USD when the cost was 30 USD?
Mad notion - did your friend get a receipt and could she send it to you?I don't know why. maybe they think 86 is not too much so I won't notice? By the way the 30 USD is already paid by cash from my friend.
First the US does not use chip and pin.
Secondly Mastercard and Visa merchant conditions do not allow asking for additional ID. They either accept the card at the start or decline it.
First the US does not use chip and pin.
Secondly Mastercard and Visa merchant conditions do not allow asking for additional ID. They either accept the card at the start or decline it.
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