Worst time I had with a credit card problem, it was my fault. I was in Paris and needed some cash, so I used my debit card to withdraw 300 euro at a cash machine. It was declined. I tried again and it was declined again. I panicked. Stuck in France with no money and something is wrong with my bank account!! WTF? Did someone get my card number and empty out my account?

Well, no. I'm just not good at math. After I calmed down I realized that the limit on withdrawals is $300 a day and at that time 300 euro was worth about $325. I backed the withdrawal down to $250 and had no further problems.

^^^^ Curse you currency conversion!!

I remember a story about a guy who worked in Canada. At least once a week an angry American would demand to know why the cash machine was handing out Canadian dollars instead of US$. He had to say "Sorry Sir, you are in a different country, Canada, and this is the currency around here."

I saw this on a major bank website the other day.

What I want to know is how the bank is going to determine that the origin is social media.

Then there's the other issue. I'm sure that the bank is protecting its customers in order to protect itself. But at the same time, "you're telling me that I can't send money to anyone that I want?"

I get what you're saying, but at the point you send money to a scammer and then ask for that charge to be reversed, the bank should be able to deny that request right?

My guess is that the bank, in an effort to make customers happy has refunded money despite the fact that they can and probably should have let the customer take their lumps. So the bank, is doing this to keep customers happy under the guise of "we're protecting you", but it's really protecting itself.

The bank has to protect itself because people would be bashing banks if they said "well... sucks to be you" Easy to find negative reviews is a powerful tool. And seldom does the person making that negative review look at their own actions that might have led to a negative outcome.

For example: I bought some rechargeable batteries for my cellular trial cameras. Many reviews said they don't work in the camera. I got mine and sure enough they didn't work. I left a one star review. I then changed it to a five star explaining that it was user error, not the battery. The battery did not come with instructions for making a battery type change in settings. A simple change in the camera setup and the batteries worked fine.

A lot of people aren't willing to own up to their mistakes and put blame where the blame might not belong.

I once gave back my profit on a machine to a customer who filled his machine with fuel that did not have anti gel in it. The fuel gelled causing the high pressure pump to operate without an lubrication and it burned up. I drove a four hour round trip to troubleshoot, paid for a tech to confirm my suspicion and the customer still wanted more. At that point I told him "look at your invoice. You'll see As Is with no warranty expressed or implied. Be thankful I'm doing what I am." He quickly changed his tune