Unfiltered Story #93701

, , | Unfiltered | September 14, 2017

(It’s roughly the year 2000 and our clothing store doesn’t have the now-common, self-serve card reader setups, nor did we have a “debit” option. Back then, you ran debit cards as credit cards nearly all the time, and at our store it was the only way we could run them. The “run as debit” option was becoming more common, though, and many customers were getting used to expecting it. They’d hand me their card and emphasize that it was “debit,” but since that made no difference in our store at the time, I just carried on with the transaction as normal and never had an issue. Except once.)

(The customer is an imposing 6’2″+, 220 lbs. of muscle, long hair in a pony tail, and carries himself in a way that screams “not to be messed with.” I’m a scrawny, 19-year-old buck fifty)

CUSTOMER: (hands me his card) “It’s debit.”

ME: (Runs card as credit)

(As is with credit transactions, a signature sheet prints and I hand it to him with a pen. He starts to put the pen to the paper and then stops.)

CUSTOMER: “Why am I signing? I said it was debit.”

ME: “Yes sir, I know. We don’t have the option to run as debit here so we run all debit as credit.”

CUSTOMER: “But I told you it was debit. I was very clear about that. Why would you blatantly ignore what I told you?” (His voice is getting louder and I can see his eyes getting red as they gleamed at me)

ME: “Sir, the card works the same if–”

CUSTOMER: “I HAVE THIS CARD SET UP TO REMOVE MONEY FROM MY CHECKING ACCOUNT, NOT TO BE BILLED WITH INTEREST!”

(At this moment I see my general manager coming near, and I breath a sigh of relief. That turns to panic as I see her notice the situation and make a sharp right into a nearby department and starts sorting clothes)

CUSTOMER: “VISA IS GOING TO BILL ME NOW! I NOW HAVE TO WRITE ANOTHER CHECK TO PAY THIS OFF! IT’S WHY I SET IT UP THE WAY I DO, TO AVOID THIS KIND OF HASSLE!”

ME: (terrified silence, questioning if this guy is really this dumb or if I have been wrong all along about how debit cards work)

(The customer signed the sheet and angrily handed it to me and stormed out. Five minutes later I get a call from the general manager.)

MANAGER: “What was the issue with that gentleman with the long hair?”

ME: “He was angry that I ran his debit card as a credit card because he thinks Visa is going to bill him now.”

MANAGER: “Oh well there’s no worry about that happening. Seems you handled it okay.”