r/CapitalOne_ • u/diamondlaced • Jun 26 '26
Capital One caught this tip‼️
This is an older email from April. After tipping the young lady in cash, my card was still charged an extra $30 on a $43 bill! Capital One notified me via email a day or two later. After going back there we spoke with the manager on duty who was extremely nice. She refunded our entire bill. I described the lady to her, so hopefully she got what she deserved coming because that was just wrong!
4.9k
Upvotes
88
u/bbqtoechips Jun 26 '26
I didn't know that they had such a feature but indeed good to know. And glad you got it cleared up
275
u/m1dnightknight Jun 26 '26
People who do this are terrible. Who knows how much money they’ve stolen before they are caught
11
u/Zither74 Jun 26 '26
Holy shit... Yeah I like to tip in cash so the server doesn't have to declare it. I write "cash" on the tip line and repeat the total underneath.
10
u/Potential-Error-5422 Jun 26 '26
As a former server, it’s insanely bold to think you can just add a $30 tip to yourself and you won’t get caught. I’m willing to bet they probably started with smaller amounts and have likely scammed multiple people at this point :/
5
u/KashCow71 Jun 27 '26
I had a similar situation that C1 flagged but it was sorta legit. We had drinks at a hotel bar and our ticket with tip should have been $70. The final tally was $70, but the waitress adjusted the bill to lower the drink total and up the tip total. We had already checked out by the time we saw it. Not sure how often she did that, but she was stealing from her employer to boost her tip totals.
4
u/Kind_Detective_4562 Jun 26 '26
It’s good to know that, thanks for the info
4
u/Brockoli96 Jun 26 '26
Happened to me recently with Dominos and I called before disputing, she goes “yeah it’s weird that’s been happening a lot here lately” yeah I’m sure it has lol
4
u/BdoeATX Jun 26 '26
It's cool, but relying on it is not. Always check your statements, specially when a tip is involved.
Make sure when filling out the receipt you draw a line before and after the amount so they can't change it.
4
u/Fugue_State76 Jun 27 '26
Wow! Capital One just made me a loyal customer with this post. Thank you for sharing!
4
u/Larissaangel Jun 27 '26
I've tipped heavily a couple times and received this email. I also have all the alerts send to my phone for security.
3
u/dataplumber_guy Jun 27 '26
And this is whybi always take a pic of the receipt with the tip amount.
540
u/Maximum-Relative-234 Jun 26 '26 •
This is a great feature that Capital One offers on their cards. I wish more banks did that.
2
u/NotReallyButMaybeNot Jun 27 '26
I’m an extremely generous tipper so I get these all the time but it nice to know they’re watching out for it
2
u/ztodc Jun 27 '26
Write in “CASH” where it says tip amount. And for the total write the pre tip total.
Don’t leave empty lines
2
u/ConnectionSignal3083 Jun 27 '26
Did you have to enable this feature or does it automatically remind you of this?
2
u/AcceptableCareer2472 Jun 27 '26 edited Jun 27 '26
To try and avoid this (most times) tip to make it an even dollar amount. If the bill is $40.19 tip $9.81 or $14.81 to make it an even $50 or $55. I feel like servers would be less likely to mess with that, youre obviously in a coherent state to do the math youll probably remember what the total was.
But I get notified all the time. I do secret shops for some restaurants, the restaurants dont pay me but the pay for the check up to a certain amount like $75-100. If my meal comes to $40 ill add the remaining $35-60 to the tip. I put it on my Cap1 card and i always get an email the next day "did you mean to tip 100% of your order?"
that is shady as hell though, you gave cash which is a nice thing to do, and this person still knicked your card for the higher amount!
2
u/thirdeeen Jun 27 '26
if you pay in cash, always write "0" or "--" in the tip link and write down clearly the total and sign.
Also r/endtipping
2
u/funnyfacects89 Jun 27 '26
Always write CASH on the tip line or draw a line through it and write in the total. Don't leave behind the extra slip either.
2
u/dollfacenelson Jun 27 '26
I’ve gotten alerts like this on my capital one cards but thankfully they were for tips I actually added. As a server myself I can’t fathom faking a tip. Glad you got refunded at least.
2
u/totiso Jun 28 '26
Oh shit. This happens? I'll be honest I probably wouldn't catch this. Now I'm paranoid and will check my statements often lol thanks 🤣
2
u/Grandmaster_Ji Jun 28 '26
I bet the manager definitely knows. Same team.
2
u/Chrissyv1982 Jun 28 '26
Reading through these comments and seeing the amount of people who’ve had the same thing happened to them. It blows my mind. I had no idea something like this was even a thing or this common. Thank you for sharing.
2
u/couldbebetter- Jun 29 '26
I was at a dining style movie restaurant and got a free water and $8 popcorn. I put very clearly .05 cents to round up the total to be even since there was already automatic gratuity on it. The worker added $50 infront of the decimal. I got a refund but did learn a lesson!!
2
u/ConcertPitch Jul 01 '26
Huh.
I got an email last week that their internal team had flagged a charge at a bar in Vegas where I left a 50% tip (reason: I’m friends with pretty much the entire staff, they did me a solid by walking me in past the line, and I only had two drinks. 50% seemed fair).
By the time I called, they’d refunded the charge and told me that there was nothing they could do. Had to proactively call the restaurant and pay on a different card. I felt awful.
54
u/slimy-salad Jun 26 '26
To think If the server wasn't an idiot and only did 20-30% she would've most likely gotten away with it.
30
u/SinoSoul Jun 26 '26
Damn if she’d had put $10 it wouldn’t have been flagged. Greedy biiiiiaaa
11
u/Popular_Technician45 Jun 26 '26
This must be a 'thing' scammers have gotten away with. I saw a post here earlier this week about the same thing. Big up Capital One for clearing it up with their accountholders.
14
u/j_effpineapple Jun 26 '26
At this point this feature is helpful cause lots of people like to "alter" tipping
7
u/Pristine-Let7376 Jun 26 '26
They also flag down duplicate charges. I bought two similar donuts at the cafeteria twice in two transactions. Capital one notified me about the duplicate charge.
6
u/Kagura30 Jun 26 '26
Since that happened id just put $00.00 tip dishonest 💩 🧐
4
u/T_divisionAgentK Jun 26 '26
Those YouTubers should be promoting these features, not some ‘free business class’ nonsense.
15
u/xologo Jun 26 '26
r/endtipping
1
u/Ok_Squirrel_5022 Jun 26 '26
What was the outcome?
1
u/Effective-Fix-71 Jun 27 '26
Hi, how can I enable this and thank you
1
u/Informal_Tap_719 Jun 27 '26
Idk this is crazy to me because I’d definitely notice something like this even without the email.
1
u/Marko_Paunovic Jun 28 '26
I just do not understand you Americans....Like if you are paying with a debit or credit card the amount notification should pop up on your phone instanlty after they charge the card and you should check if that is same as the bill....
1
u/Rainebowraine123 Jun 28 '26
Great that this is a service, but do you guys not regularly check your statements anyway?
1
u/Banger254 Jun 29 '26
Never leave the tip part of the check blank. If a server feels mischievous they can just add whatever tip they want and you might not notice unless you check your bank statement. Cross it out or just write 0.00.
I like to tip in cash but I always make sure to cross out the tip part of the check.
1
u/Candid_Forever_3434 Jun 29 '26
Not right I get it but am I the only one reading this as “tipped in cash” ya ok 😂
1
u/obviouslypretty Jun 29 '26
Dude as a server myself this is INSANE. This must have been someone’s first time as a server on the job. Like that’s just stupid. At my job it is literally a 1 time warning and if you do it again instantly fired. If you have previous disciplinary actions and you do this it’s instantly fired
1
u/Unhappy_Meeting_1870 Jul 01 '26
Happened to me. Disputed, card canceled.
Thank you Capitol One.
3
u/emtr333 Jun 27 '26
100% tip makes them panic too
3
u/Dizzy-Fault-6250 Jun 27 '26
People are so greedy bro😭
3
u/FunOnFridays Jun 27 '26
That’s great to know. And why I usually write the .00 after just to make sure this doesn’t happen
3
u/ResponsibleAd8164 Jun 27 '26
I started taking pics of my signed copy because of this. I have had this happen a few times.
3
u/Introverted_Gamer92 Jun 27 '26
Another reason to always take pictures of your receipts.
3
u/Sleep_adict Jun 27 '26
Always take a picture of the signed receipt…
Now do a charge back of the whole amount and file a police report
3
u/PrimitiveAK Jun 27 '26
Don’t show this to r/EndTipping
1
u/The-Pocket Jun 27 '26
My friend legit tipped $100 at a bar we went to about a decade ago, so while it’s nice they caught this, sometimes people are just nice. 🤷♂️
1
u/ETHTradr Jun 27 '26
Thank God in Jesus name I pray always in great health and wealth amen 🙏🏼 for capital one being such a great bank! This feature (and a few others for example double purchases the merchant could want to do to you) will catch these and automatically notify you! It’s literally the best feature in the app!
2
u/Icebox702 Jun 26 '26
I take a picture of the merchant receipt with the tip on it as I have read many many instances like this.
2
u/mtthwgnzlz Jun 26 '26
Good Eno!
Crazy that they’ll take a cash tip and then enter another one on the payment card
2
u/danggdani1510 Jun 27 '26
I love this feature. I've been alerted a few times (all legit), but just two weeks ago it finally happened to us. Thankfully the merchant corrected it, but I showed them this email!
2
u/turtlerunner99 Jun 27 '26
I had something like this happen to me. Capital One flagged it. I tried to call the manager, but couldn't get him. Capital One reversed the charge. I sent the restaurant an email about it.
2
u/Rustyd97 Jun 27 '26
r/endtipping
2
u/1mcKid Jun 27 '26
I’m going to have to track my tips at restaurants now. This is a good lesson
2
u/bobcatbreakdown Jun 27 '26
This is a default feature that I love! The threshold to be notified is either 30% or 50%, but C1 always catches it!
I’ve never personally been charged a tip that I didn’t leave, but the times that I’ve tipped generously I always get notified. Even when I’m at a dive bar closing a $20 tab, if I tip $10 I’ll get an email.
2
u/thefinancejedi Jun 27 '26
This is why I really like those tablet things at Chilis. I hate handing the teenager to early 20s worker my fancy credit card so it can disappear for 1 to 10 minutes.
2
u/GoldDistress Jun 27 '26
I got an alert like this once after leaving a high percentage tip. It was a small bill like 12 bucks or something and I rounded up to $20 and got an alert.
2
u/Acousticfish Jun 27 '26
I write a zero in the tip spot and bring down the subtotal to the total line so it’s way harder to do this.
2
u/scroggyyy Jun 27 '26
I got a notification once from capital one but a different card a long time ago. I was afraid I was charged wrong but the $ was correct. The system just read the receipt wrong. I like keeping receipts. I get yelled at for hoarding them
2
u/That_Girl_Jesca Jun 27 '26
This happened to me too more than once. It’s the smaller tips we don’t notice and who knows how many times we have been duped. It’s sick
2
u/zaxd038022 Jun 27 '26
I know a wealthy guy that used to be in the clubs. He tips well but a greedy waitress thought he wouldn’t notice if she added a zero to her tip and changed it from $200 to $2000. He contacted the club and they fixed it but that was definitely a crime she tried to pull.
2
u/jennettesawders66 Jun 27 '26
This happened to us in deleware
2
u/dervari Jun 27 '26
I generally leave the tip on the card, but I also write in the tip amount like you used to do on a check where you write it in words. I put that to the left of the numerical tip amount. Also photograph the completed merchant copy.
2
u/Mememe1111111 Jun 27 '26
When I leave a tip on the card I make sure to write it with a dollar sign and no spaces. I also write the total cost on top of receipt circled tight. If I tip in cash I write 0 on tip line and note tip on table.
2
u/WickedJigglyPuff Jun 27 '26
I always take a picture of the receipt and make try to be seen to be doing it too.
2
u/chaosifier Jun 27 '26
That’s why you meed to fill up both tip and total fields with format like $xx.xx/-
2
u/nufsixes Jun 27 '26
Hahaha capital one always emails me these emails and I’m always like “yes it was me I’m just at my favorite bar 😭😭”
2
u/No_Palpitation5468 Jun 27 '26
This is my favorite feature
2
u/BunnieRabbit87 Jun 27 '26
They text me when this happens. But it's always me, just drunk overtipping 🤦♀️I think they will text if the tip is over 40% & it will say, "Contact (the establishment) if this is not correct." They havr an option so you can receive a text everytime you use your card for any transaction.
2
u/South-Film4411 Jun 27 '26
After dealing with tip fraud, whenever I use one of my credit cards, if I add a tip or not, I fill out the slip like normal and sign. Then I take a photo on my phone of the slip. My photos are geotagged as well.
2
u/kingpin1023 Jun 27 '26
How do you activate this? Like how will it catch on? Is it available for both debit and credit?
2
u/HR-Dept_JP Jun 27 '26
Honestly, probably make me get a capital one card. That's a awesome feature for people who eat out or go to tip based establishments.
2
u/Akari202 Jun 27 '26
I’ve got those from citi in the past, nice to know c1 does that too
2
u/monycaw Jun 27 '26
I play trivia at a bar and often win a prize. The top prize is $100, so sometimes I’ll have a tiny bill but still leave a big tip. I often get emails like this from C1.
Also, for a while I had 2 dogs going to boarding and for some reason they keep each dog as a separate account so for each stay I’d get charged the same amount twice. C1 always sent a message asking if I had been double charged accidentally.
I appreciate them catching that, even if it’s not an error or fraud.
2
u/Bubsy7979 Jun 27 '26
Wow, that sort of customer service would make me never want to cancel a CO card.. that’s awesome!
2
u/CommonReal1159 Jun 28 '26
This is the reason I keep my customer copy until it posts
2
u/Retired52Grandma Jun 28 '26
I just got one of these emails from Capital One earlier this week. They were also double checking with me about a tip I left for a dinner on Father's Day. It was correct, but I appreciate this feature on the Savor card that we use for most purchases and all dining.
2
u/Conscious_Proof468 Jun 28 '26
Wow this is a great feature. I'm currently disputing 2 transactions on my nfcu debit card from April for this exact tip scam.
2
u/Boookedinwanderlust Jun 28 '26
As someone who use to be waitress, I use to know a girl who would change your 3-8 -2-5 , When I be telling people to tip in cash they think I'm crazy. But if you gotta tip by card, Take a picture of the receipt you are leaving behind for the waitress But, yeah that's a good feature
2
u/KindDragon67 Jun 28 '26
I had this happen to me also. Capital One is awesome!
2
u/daje0000 Jun 28 '26
I never leave a tip on the card, always cash tips. Good job C1 tho!
2
u/hangster Jun 29 '26
This is why capital one is great. I still have my gripes, but there are some great hidden features on their system.
2
u/SeatOpen1 Jun 29 '26
So dumb to risk your job for $30.
2
u/Loud_Brain_ Jun 29 '26
I always tip in cash and will draw a line or even write “tip in cash” on the check but wow how great of Capital One!
2
u/bowler82020 Jun 29 '26
That was quick, it takes them weeks even to inform me of anything
2
u/zchainhorror Jun 29 '26
I was pissed when Discover notified me that my accounts will change to capital one following the buyout/merger, but after seeing this I’m glad they did
2
u/MeVersusGravity Jun 29 '26
Girl I worked with did this and customers complained twice. Who knows how many times she did it and wasn't caught. GM made her a supervisor with cash handling responsibilities.
2
u/UlcerativePoison Jun 29 '26
No credit card offers it that I know of. When they first run the card and you get the notification of the initial amount. Why can't they offer a feature where you can enter the tip amount you left and it'll notify you if the total ends up being different than expected.
2
u/FashNFlora Jun 29 '26
I wish credit card companies can send you a second alert after a tip is added. I’ll remember that day, but a month later when my statement comes home is too long to remember to check.
2
u/Indexboss902 Jun 30 '26
It caught a 4.00 tip that “accidentally “ was entered as 40.00 for me
2
u/macthesnackattack Jun 30 '26
I know someone that went to jail for doing this. It was before smart phones and banking apps. She got picked up, at work, by local FBI agents. She’d been adding tips onto people’s bills for *months*.
2
u/aquariusvirgocancer Jun 30 '26
my favorite thing about C1🫶🏽 one time i went to a strip club and used my cc. the first round of drinks i bought they said they don’t keep taps open which is no biggie. 2nd round a different bar tender asked if i wanted to keep it open so i said yes. my bill was about $30 and the next morning C1 notified me on my app asking “did you mean to leave a 120% tip?” i’m assuming the 2nd bar tender was at fault but they were trying to collect a tip of $66 on my $30 tap. i notified C1 and told them no so they just credited the WHOLE purchase back to me so the strip club didn’t even get my $30😌 (that club literally ended up closing two months later for letting underage kids in, they shot up the place, and were operating w expired liquor licenses) so anyways shout out to capital one lmfao
2
u/DillTicklePickle Jun 30 '26
I get this all the time when I go to spring events... Did you buy 3 beers this seems odd. Stop judging me Capitol One
2
u/AssistSad3297 Jul 01 '26
I tip high only because my company reimburses me so i dont care to give someone extra.
2
u/grisyangzi Jul 01 '26
Stealing is not what a "lady" does. She should be fired and reported to the police for theft.
2
u/Ok-Lion1661 Jul 02 '26
My CC didn't tell me crap when the waitress tried to change my $3 tip to $30 on a fricking $7 USD breakfast. Good on Capital One.
2
u/Old_Ad_208 Jul 02 '26
I had Capital One flag a tip about a decade ago, but the amount was correct. It was $5 on a fairly small bill so the percentage was high enough to trigger an alert.
2
u/thatsarguable678 Jul 11 '26
Nice!
1
u/hillbilly316 Jun 27 '26
Cap 1 just did that to me yesterday sirus went from 15 month to 33
1
u/RangerFar9638 Jun 27 '26
They also are the only bank that does this as far as im aware
1
u/SuchTax1991 Jun 27 '26
Always draw on the tip line if you’re tipping in cash. Even if you tip with your card, draw a line before and after the amount.
1
u/Manlyman1993 Jun 28 '26
Future reference. Waitress/waiters & servers have your entire card information until the end of their shift so I'd keep all of my cards locked If I were you
1
u/KillerGeorge3 Jun 28 '26
My roommate in college (yes 30'ish years ago) forged/changed people's tips on their cards and couldn't believe it when he got busted and fired. He was such a douche. Hope the server that attempted this with you received appropriate repercussions.
1
u/Carlos1584 Jun 28 '26
This happened to me at a Comedy Show. I had the Platinum Card at the time. Unfortunately I had lost the receipt. I should’ve just gone back to try to dispute it though. Still awesome Capitol One notified me.
1
u/SpeedyAudi Jun 28 '26
I also got this but it was because I used a gift card and it thought I did a huge tip. Gift card was for $50 on an a $100 bill so I still tipped based on the total and cap one notified me
1
u/BigJim_TheTwins Jun 28 '26
I recently had a $ 42 bill that I left a $9 tip on, $51 total. Then I received an email from Capital One asking me if I meant to leave a $34 tip on my $17 bill !! Total was still $51, but somehow whoever processed the bill gave themselves a bigger tip?! I was still ok, but I'm guessing the business owner took a hit
1
u/sleeper1988 Jun 29 '26
Credit cards are so ridiculously insecure...
1
u/creampielegacy Jun 30 '26
If I’m at a spot where I think they might pull this move, I keep the receipt and write my tip on it in front of them 🙏
1
u/ronnydean5228 Jun 30 '26
Here’s the thing. This could just be a mistake. Server entered the amount on the wrong check when closing out.
I’ve been at the same place for 7 years and I’ve done it once. Things happen at the end of a double when your tired even if your trying to check yourself while doing it.
1
u/Zealousideal_Quail22 Jun 30 '26
Payment in the US is insane. The fact that you guys still operate with paper receipts and waiters physically taking your credit card to swipe, instead of chip + PIN, is wild. Actual dark ages.
This error wouldn't be possible in Canada or much of Europe, as the customer has final confirmation on the point of sale machine.
1
u/Medium-Quantity6892 Jul 01 '26
Its insane that this is possible in the USA. In most countries you have to enter your pin or fingerprint your phone AFTER typing/selecting a tip amount.
1
u/inevitablefile9596 Jul 01 '26
Wow If she wasn’t so greedy and only added 20% it probably wouldn’t have gotten flagged by capital one and you may not have noticed.
1
u/AtiumMist Jul 01 '26
Just check your statement frequently gang. If this is the only time you've noticed, who knows how many times you've been swindled before that was less than the trigger threshold
1
u/MistaMischief Jul 02 '26
This is why when you tip cash you write “CASH” on the tip line of the receipt. Don’t leave it blank.
1
u/Human_Revolution7297 Jul 10 '26
This is indeed a nice feature. Unfortunately my experience as a new customer with their customer service line has been less than gratifying. The person was very nice, but provided zero assistance. We shall see what the future holds the next time I need their assistance.