Debit Card Surcharge Rules

Summary

Merchants in Pennsylvania are prohibited from imposing surcharges on debit card transactions under federal law, specifically the Dodd-Frank Act. If a business is doing so, you can report it to the Pennsylvania Attorney Generals Office, your debit card issuer, or the Federal Trade Commission (FTC). When contacting your bank, you can mention the federal prohibition on debit card surcharges. For filing a complaint with the FTC, include your contact information, the merchants details, and specifics of the surcharge incident. The case rating meter indicates the potential need for legal assistance, suggesting this issue may not require a lawyer but should be reported to authorities.

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how do i report a business doing it
To report a business imposing surcharges on debit card transactions, you can:
- Contact the Pennsylvania Attorney General's Office to file a complaint.
- Report the issue to your debit card issuer.
- File a complaint with the Federal Trade Commission (FTC) online.
Let me know if you need more details on any of these options!
the debit card issuer says it is allowed
If your debit card issuer claims surcharges are allowed, you might want to clarify with them, as federal law prohibits surcharges on debit card transactions. For further action, consider contacting the Pennsylvania Attorney General's Office or filing a complaint with the FTC to investigate the business's practices. Would you like more information on how to file a complaint?
what is the federal law?
Case Rating: *
Federal law, specifically the Dodd-Frank Wall Street Reform and Consumer Protection Act, prohibits merchants from imposing surcharges on debit card transactions. If you face surcharges, it's best to report this to the FTC or Pennsylvania Attorney General's Office.
what do i say to pnc bank
Case Rating: *
You can say to PNC Bank:
- "I understand that federal law prohibits surcharges on debit card transactions due to the Dodd-Frank Act. Could you clarify why a merchant is imposing surcharges on my debit card transactions?"
Would you like more information on how to file a complaint about this issue?
what is that meter at the top? it is red
Case Rating: *
The meter at the top is likely an indicator of the case rating, which in this context measures the potential need for legal assistance. In your situation, the case rating suggests it's not a strong case for a lawyer, but it's important to follow up with the relevant authorities if needed. If you have more questions about the legal process, feel free to ask!
what do i write to ftc complaint
Case Rating: *
When writing a complaint to the FTC, include the following details:
- Your contact information.
- The merchant's name and address.
- Details of the surcharge on your debit card transaction.
- Dates and amounts involved.
- Explanation of how this violates federal law.
Make sure to be clear and concise.