Q: Is there anything I can do about this legally or should I have my bank fight this?
I went on a cruise and I was given a $150 credit. On the day I was to debark I had a $150 charge still on my account. It came to light that the $150 credit was posted the account of one of other people I was sharing the stateroom with (who had already been cleared to debark). I used cash the entire trip and only used my card to pay my final balance, which I was told was $61.59. They took that and the remaining $150 even though the receipt I signed was for the $61.59. Basically, instead of amending my charges and reallocating them to the rightful person they took it off of my card under the guise of a security deposit. I was told that even if I didn't swipe my card, the $150 balance would've been sent to collections in my name even though by their own admission it was never supposed to be on my account, but on the other guest's account in the first place. I don't understand why the charges weren't just updated and sent to the other guest instead of stealing it off my card.
A: No, the amount of money involved is way too small and the dispute can be solved between you are "the other guest." The law is not designed to solve every little problem that comes your way during this lifetime, The Latin phrase for this rule is "De minimus non curat lex."
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