Accidentally Overcharged a Prepaid Visa at Work
My question involves criminal law for the state of: Texas
I accidentally overcharged my prepaid visa at my workplace (I'm a waiter and was trying to get the extra cash from prepaid visa's I use for online purchases) and two of the charges got denied, because they overdrew the account. Is this credit card fraud? Can I pay back the 90 dollars owed and consider it even? Can they press legal actions (my work) against me (I told them I would pay whatever charges got contested)? The bank has not said a thing to me, and I dont want there to be repurcussions about a few mathematical errors I made in tipping myself the amount I thought I had on the card.
Thank you for your response.
Re: Accidentally Overcharged a Prepaid Visa at Work
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Quoting
OO7rulz
.....about a few mathematical errors I made in tipping myself the amount I thought I had on the card.....
So, had the charges NOT been denied, then you would not be wondering if your employer has found out?
The line you posted and I quoted is quite telling....especially the word "FEW"! At what point did tipping yourself to get some sort of a cash-out not seem to be considered fraudulent?
The 'writing on the wall' appears to fortell unemployment and legal difficulty. When that happens, you may want to avoid portraying things as accidental.
Re: Accidentally Overcharged a Prepaid Visa at Work
Well, is overdrawing a prepaid visa illegal? I read the small print, and it says if overdrawn, the bank may ask for reenbursement. The bank hasnt. Only two charges from the same card got declined. These were my cards, I paid for every single one. I cant stand doing online business with my real card.
I consider this an accident because I was under the impression you couldnt charge more than the card has. I know there is some preauth going on, but when you cash out and put the tips in the computer I thought it would say insufficient funds like it does for other types of cards. Places, such as gas stations dont allow gift cards anymore because of this overdrawing issue. I think it could be a mistake in the resturants system. I just dont want legal trouble for some problem I inadvertantly caused by tipping myself from my own card, which IS legal.
Re: Accidentally Overcharged a Prepaid Visa at Work
Knowingly "tipping yourself" to drain funds off of any sort of credit device, then using that same device to conduct transactions with a negative balance, is fraud, no matter how you desire to explain it away.
Re: Accidentally Overcharged a Prepaid Visa at Work
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Quoting
souperdave
Knowingly "tipping yourself" to drain funds off of any sort of credit device, then using that same device to conduct transactions with a negative balance, is fraud, no matter how you desire to explain it away.
I drained funds, or attempted to to hit 0, your correct. That was the last transaction I used it for. I did not attempt to use the card again when it was in the negative. I overcharged a card thinking I had cash on it, and when going back through the bank will see they were way over the 0 limit before that.
I'm not trying to be hostile or anything, I took your last post as I used a card MORE after I knowingly put it in the negative, when the negative charge was the last charge I did on the card.