lax18stx

No one accused you of scamming. The issue you brought forth as your primary complaint was the 'threat of arrest'. If you are in LE u know perfectly well that as long as you ultimately pay the bill there's no arrest issue so it's just odd that that was so offensive. If person A racks up a huge bill at any business and is unable to pay it then person A can be arrested for that. What exactly is unreasonable about that? It appears you are not especially thick skinned if you are so easily offended - which is surprising with your background and then the bit about a photo of a credit card being the same thing as a credit card is a bit naive. Which is why people are assuming you are young-ish.

 

Credit cards get shut off for fraud all the time. Not a big deal. They let you call the bank, you assure them the card is in your possession and the charges are good, they turn the card back on and you settle your bill. The prob here is your bank opted to cancel your card completely and not give you an option to settle your bill. That's where my anger would be directed.

 

And yes, from the business side of it, when they are looking at a large unpaid bill (because even if the cc company initially covered the first $5,000 they could have done a charge back if the merchant wasn't following their policies) and the cc company refuses to allow the customer access to the card. That is highly suspicious of fraud. You weren't committing fraud, but how on earth would they know that? I've seen millionaires turned homeless with Heroin use. Just saying you've taken cruises before with them has limited value when they are looking at a situation like that.

 

 

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the problem with the initial card is they sent out a new card that had to be activated once I recieved it (kinda hard when I'm at sea) and they said they could not activate this card since a new card had already been issued

To be sure, no one accused you of dodging a hotel bill or trying to commit fraud or of not wanting to pay your bill. All of those scenarios were stated as a possible viewpoint of the cruise ship/line. Yes ... some did say entitlement. Not a nice thing to say, but many of us have come across this attitude from millennials and we are SO over it. But that's another topic/discussion.

I did say it 'COULD HAVE' been your attitude. I did NOT say it was. Just seemed like a piece was missing.

Glad it's done and over with and hope you have a good cruise in the future, if you ever go on one again.

yes I understand mistakes happen ... just seemed like a lot of ppl were attacking me for my mistake... lesson learned and yes I will be cruising again .... but I will be prepared for. a situation like this .... and again def not a millennial lol

Just what is so "outrageous" about threatening arrest for a perceived attempt at theft of service. Cruise lines have to play hardball given their reasonable expectations that at least a few of the several-thousand passengers on a given itinerary would rip them off if at all possible.

"perceived" is the key word I have multiple cruises with RC and was planning another ... sorry for sharing an experience and end up being crucified for it

Would you let someone who owes you $7k to walk out on you? Darn right I would call the cops.

$5500 of it was paid before the card was frozen ... the issue was the remaining 1500..... and no the balance is not including cruise fare... some on board purchases and some nice bottles of wine and champagne

It is a fine line...splitting hair so to speak...I work at a hotel in a resort town and we would not take it this way either. And as someone stated before you can get real-time authorization over the phone when you call into the place.

 

 

 

 

This don't mean anything...unless it is something like applepay and the company is able to take applepay! Most business's want the card to swipe because you could get mad and call and dispute the charge on your card and because it was not swiped the company (Discover in this case) could say that it was stolen and will not pay it. Where I work, even though the card is on file, if you do not have the physical card then we can not and will not charge that card.

Sorry they threatened you with arrest...however thinking they should give you more then 300.00 and that they ruined your vacation is going overboard!!! Because in all reality YOU were the one that ruined your vacation because you did not call your credit card company to let them know that you were traveling with your card and where you would be traveling too. And I understand that you did not want the Discover card stolen, but there is a safe in the cabins on the ship that you could have left it in. You are blaming RC are you demanding compensation from your bank also for freezing your card, because by your accounts it is everyone else's fault so they ruined your vacation also????

it was apple pay along with the pictures in attempt to cover all bases... and yes I see how it is my fault for not taking preventative measures... all my point is that maybe RC should review their policy and update their system to communicate with Miami the be able to resolve these issues .... and my apologizes for even posting this apparently I'm just an arrogant fool and should chastised for an honest mistake

I place the blame on this entire thing on the OP. Clearly a mellinial who chooses to use the latest gadgets instead of traditional methods of payment. RCCL was correct and fully within its rights to suggest that Op would be detained if he did not pay the bill. It is the OP's fault that he failed to notify his CC company that he was traveling and would be using the card on a cruise ship. It is the OP's fault that he neglected to physically carry more than one CC. RCCL has chosen not to implement ApplePay, as have a vast majority of merchants around the world. Op was foolish to rely on new technology. Shame on OP.

 

I may be in the minority but I applaud RCCL, actions like theirs make the banking system safer for all of us.

I assure you I am far from a millennial I made a mistake of not calling my bank. Lesson learned. I just find it hard to believe there was no other way of handling it. They asked me to call family... how would that of worked without a physical card?

For everyone making entitlement and scam comments... the bill was paid promptly as soon as I reached port. There was no sense of entitlement there was a mistake that I tried to correct. I did not dodge hotel services or not pay my bill. I immediately went to guest services to resolve the situation. My only point in all this it was. difficult process and the threat of arrest is completely unnecessary especially when you have a customer who is doing everything in their power to remedy the situation. Long story short RC customer service needs some improvement and I learned a valuable lesson.

That is fair enough and if he was the one to escalate it you would be correct. I was going by the original posters first comment that makes it seem that the cruise line threatened him very early on or right away. If he was the aggressor I agree but I can tell you as an owner of a business that it is generally a very very bad decision to threaten a customer, much less threaten them with criminal

Prosecution. I have to imagine that rc has a policy on how to handle this as it happens on a fairly regular basis. I can't imagine that threatening your customer with arrest is in their handbook.

there was no escalation... the threat of arrest was made over the phone when I first saw the message on my tv.... I am prior military and LE and kept my composure.I realize the person I was talking to directly had no control over the situation ... I just want to make it clear at no point did I become "belligerent" or caused a scene at any point. All I wanted was to clear the situation.

I guess I'm at fault for trying to enjoy my vacation.... lesson learned bring physical back ups .... I was just saying I think they could of come to a resolution that would of avoided this situation

It's the same issue as if you are in a physical business vs buying something online. I've never seen a physical store accept a photo of a credit card for payment - in fact now most of them are requiring the chips be inserted. My understanding is that the credit card companies won't cover fraudulent charges if the card had a chip and a chip scanner wasn't used to process it.

 

But all businesses accept credit card numbers just fine online. I dot know if the credit card companies done impose the same fraud regulations online since a chip scanner can't be used or if they just do it because they wouldn't be competitive without it.

 

But not sure why you think an account processing system that's set up to accept credit cards via a swipe or chip would accept a keyed in number. They probably had to have you call in to access an accounting system that would accept the numbers and security codes keyed in.

 

 

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because before we called the bank that froze the card they tried the original card again ... no swiping just typed in the numbers

The person you called was not on the ship. Big difference.

same company ... they could of easily ran the card

Excellent question. Please don't hold your breath! Still not answered. :p

I don't want anything .... lesson learned RC has horrible customer service and this is a warning to any prospective cruisers

A photo of a credit card is not a digital wallet.

 

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it was also in my apple wallet

I tried that they called the financial team and I was told they were make a decision by the end of the cruise

well the policy makes no sense they had no problem accepting that card over the phone when I paid for the cruise

its paid done and over I was just pointing out the horrible customer service and lack of willingness to deal with a. customer trying to pay and continue to make purchases ... I dropped over 7 grand in the first couple days you would think they would want me to continue to spend money

well I obviously learned a lesson.... my bad for thinking I couldn't use my digital wallet like everywhere else with a ship that has so much technology on board

well I don't understand why they would not accept it then but were willing to accept it as soon as I called

Alison they could of easily called Miami and dealt with it .... the "Poor RCCL" employee was obviously wrong

The card had my name on it I had pictures of both sides and discover on the phone saying it was my card.

Am I the only one that thinks the threat of arrest is extreme and uncalled for?

I kept getting stonewalled by "its against policy" all they had to do was type in the number and it would of been resolved

I guess I was just really upset at the threat of arrest when I was trying to make things right and the fact that my pre paid packages would not even work

ok but do u see the irony that they would not accept it without the physical card on board but as soon as I get off the ship I can call and use it to pay the balance without the physical card?

the card was frozen and I had to reactivate it when the new one arrived in the mail. It was ruined because my pre paid dining and beverage packages were frozen and I could make no on board purchases. All they had to do was type in the CC # but would not do so because it was against policy... this policy was never made clear beforehand... the way you are defending them sounds like you work for RC.... I have been on many cruises before and never had a problem like this or was treated this way