First, is there a newsgroup that specializes in banking, or commerce, or business, or anything for which this would be on-topic? And where people might know the answer to what I think is a very strange question?
Some of you may remember that I get notifications from the bank every time my charge card is used a) to charge more than some amount, maybe $100, or b) to buy something outside the 50 states.
And you may remember my complaining about being charged $110 for a car that only holds 10 gallons of gasoline, when every other gas station charged between 50 and 57. Did I mention that the overcharge happened twice, 110.19 and 109.74.
So today I went to the gas station and showed him a copy of the email the bank sent me, and said, What do you think abouty that? We dont' speak each other's language but he knows a little English and he said "You didn't pay that". I assumed he was referring to the foreign exchange commission, and I pointed out that no other gas station had charged more than 57. He also got the guy who works behind the counter, whose English was pretty good, and all he did was say the same thing and give me the gas station chain's phone number.
But by the time I got back, it was after 5, so I called the bank in the US.
(BTW, it used to be very hard to call an 800 number in the US, but with Skype you can call it like any other number. You still pay the 2.3 cents a minute for Skype, but you'd have to do that anyhow and you don't have to convert 800 to 8nn like you used to, (and in years before that, you had to find their non-800 number) .
So the girl at the bank, who seemed a little flighty, told me that on April 3, I hadn't paid $110.19, only $44.76, and on April 10, I hadn't paid $109.74, only $34.36. Plus in each case about 1.30 transaction fee.
I didnt' believe that, but I looked at the online monthly statement, and by golly it was true. What's going on? Why are they sending me emails saying I paid much more money than I did?
And what is the relationship?. The first one is 2.46 times the real charge, but the second is 3.19 times the real charge!!
Now I have to go look at all the other gas station emails and compare them with the monthly statement , and with the receipt fromn the gas station.
For that matter, there are all the non-gas purchases I should compare, restaurants, grocery stores, museums, and outdoor stuff like zoos.
The rentacar company keeps pinging my debit card account. For the 3rd time they pinged it for $2400 but so far I think they've only billed me for $650. I understand why they checked int he first place, and maybe they put a hold on 2400 but the hold only lasts for a month?????
But the rentacar company doesn't know how long I'll keep the car or how much damage I will do to it. The 800 extra is the maximum I have to pay if I damage it (though I was told 550, so there may be a fight.) But the gas station knows what the bill is 5 minutes after I start pumping. Why not check or even put on a hold for the largest tank any car has and then charge the actual amount 5 minutes later.