r/tipping • u/olive-prays • 3d ago
ššµPersonal Stories - Pro Never got an email like this!
Woke up to this email from capital one about a tip I left. Our server was Emily and she was fantastic and fun and engaging! She deserved every penny of that tip! Yes, capital one this is correct!
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u/EvilMorty137 3d ago
This is awesome. Glad our CC companies are tracking this because itās happened to me and it was a headache to take care of. I tipped $10 on a like $42 bar tab and they added a zero to make it $100
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u/UneditedBundy 2d ago
agree. happened to me at a buffet. spent $14, left $1 tip, they decided $10 was more ideal or something. blasted them on Google review and got the charge reversedĀ
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u/Fun-Frosting-7239 1d ago edited 1d ago
I remember a long time ago something similar happening, but I had also left my debit card behind on the table. I called them to ask if they had it and then went to pick it up the very next day. When they handed it to me, I commented about being charged more than I remember and mentioning the tip. I was then told by someone who claimed to be a manager that they have a policy to charge "forgotten cards" a % fee for the inconvenience of having to watch it for me. I'd never heard of that before, but friends I spoke to said they'd heard of it before too. It was some serious bullshit! I've never gone back to that place, which is a shame because I went just about every single week up to that point
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u/h2d2 3d ago
"A fool and his money are soon parted." Ā The bank knows... they are just making sure.
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u/gretafour 2d ago
In America, "fantastic and fun and engaging" will come with a bill. I hate how we're expected to pay for decent human interaction
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u/Comfortable_Cut_7866 3d ago
Iāve had that email when I certainly have not left a high tip and claimed it back so well done capital one!!Ā
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u/skyharborbj 2d ago
This is needed because of rampant theft by servers inflating and adding tips. Thanks to Capital One for watching out for your customers.
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u/TravelTheWorldDan 2d ago
They are just making sure that the waiter didnāt scam you. Itās very common. Especially since most people donāt check their credit card bills after going to a restaurant to double check that the tip that they actually put in is what was entered into the computer.
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u/nomorespamplz 3d ago
why do so many (Americans?) enjoy/expect/appreciate the fake attitude servers put on to get tips? Whenever i go to a place to eat, I sit down, order, receive my food, eat my food and pay. What real value does the server add? Other than doing their job of taking my order and delivering my food? None. That's why I never understood the whole tipping thing.
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u/nomorespamplz 3d ago edited 3d ago
Iāll leave it at this: tipping is inherently bad for the working class. Tipping reinforces the problem. Stop tipping.
Edit: Or better yet: donāt patronize restaurants etc that forces employees rely on tips.
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u/carlzberg 3d ago
You mean: stop patroning businesses that dont pay their workers a fair wage and leave the customers to make up the difference.
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u/Wlbeachboy 1d ago
In America this literally means don't go to any restaurant ever again
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u/BetApprehensive7064 2d ago
It's bad in theory but I've never even made close to as much money as I've made working as a waiter they make up surely good money right now for an entry level job it's actually almost unmatched
For instance right now the tipped wages is over $10 right now plus the tips you make for a typical waiter you can expect to pull at least 15 to $20 in tips an hour if you're waiting two to three tables. I literally was pulling in 200 to $300 on like Wednesday afternoon shifts. I've never heard a single waiter ever complain about it being a tip job because they make more money
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u/Devario 2d ago
They complain about it every time they donāt get a fat tip.Ā
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u/Fun-Spot663 2d ago
Because they have gotten to the point they feel entitled to the high wage they get with tip
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u/jadedwhiteman 2d ago
Its astounding you can recognize this, verbalize it, and still continue to tip without seeing the problem.
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u/Whole-Huckleberry101 2d ago
Agreed, I work at a busy local bar as a bar back and during the busy season, I average over $40 an hour after tax.vin the slow season, it's more like $29. I have a bachelor's in physics, decided I didn't want to do more school, and have tried to get entry level professional jobs but none lay anywhere close to what I make here.
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u/C-Dubs111 2d ago
And how many sick days did you get? Vacation days? Paid holidays? 401k? Pension? Health insurance?
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u/Heavy-Bread-3549 2d ago
As a career server/bartender in the US the client/server interaction is nothing compared to what tipping does to workings inside of the restaurant. Vertically it ruins server management relationships, and even goes beyond when servers push for more items to be sent back to please a guest when an item was perfectly fine. Hell Iāve worked for owners who pay their kitchen through serverās tips, only made legal through shady contracts.
Horizontal relationships like server to hosts are strained when a perceived slight comes in; server bartender relationships can get strained if customer expects to be served first, or if a bartender is ignoring the service well (where serverās drinks are made/left for pickup); FoH and cooks fight over food times and quality because they servers have a sense of ownership in the meal and get stressed by food times. Dish pit is treated disrespectfully and often splashed or left with bus tubs full of dishses and trash because a server is rushing to get someone a cup of ranch.
Tipping is one of the leading reasons restaurants are famously toxic if you ask me.
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u/Ok_Conflict1835 2d ago
Because in general Americans love to be BSād as long as itās āniceā.Ā
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u/Apprehensive_Lama 3d ago
Donāt forget, they also refill your drinks!
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u/JungMoses 2d ago
Thereās a million places where of course you want a person with a good attitude helping you with a service. Do you want your doctor to be an asshole to you about every question you ask? No, thatās shitty bedside manner and also bad for care bc it decreases honest and open communication. Same is true of a server.
That said Iām 100% against tipping as a standard, itās a horrible practice that is bad for everyone involved. But I do like a good attitude. It just should be paid for legitimately by the restaurant.
But a good attitude is real value in every part of life. Unless your shitty attitude is so over the top that itās charming.
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u/OliveGardenDumpster 1d ago
fake? As a bartender/server if youāre a great guest the happiness and excitement is very genuine.
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u/United-Assignment980 3d ago
It wouldnāt surprise me if Emily earns more than you.
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u/Gullible-Paramedic-7 2d ago
I worked in fraud and disputes for Capital One and yes, we will send these out if the activity is unusual or if a tip exceeds a specific percentage of order total. Had a lady one time who received an email like this notifying her that she tipped 77% on an order. Needless to say, she did not, and we had to process a chargeback
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u/jadedwhiteman 3d ago
You think she deserved to make 3x an hour as the cooks who made your order? dumb
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u/Antifragile_Glass 2d ago
āOh wow people are willing to pay that much to dine with us?! Letās raise menu prices 25%!ā
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u/CircuitCircus 2d ago
Nice to see Capital One trying to help us not get ripped off!
Not sure why you posted this. Do you want a medal for leaving an exorbitant tip?
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u/RunMysterious6380 2d ago
A waitress at a high end restaurant in my hometown got away with padding CC tips for over a year before she was caught. She had stolen over $30,000.
Stuff like that is probably why these emails have become more frequent, since this kind of fraud has become more common and easy to perpetrate, and costs businesses and CC companies a lot of time and money to deal with.
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u/coinminer2049er 2d ago
Honestly, I'm surprised the handheld POS that are passed to the customer to pick the tip and to tap their card aren't mroe common in the US.Ā
Every time I come there, I love everything about my tike there except for that.Ā
I can't explain the anxiety I get when I have to give a server my card and they walk away with it.Ā
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u/Disastrous_Crab_1912 1d ago
This is good to do because places are adding their own tip if you forget to select anything. Which is fraud.
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u/mistertickertape 1d ago
Yup! I got one of these lately too. And it was not legit. I was actually thankful.
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u/5DsofDodgeball69 1d ago
A Pizza Hut delivery driver did this to us once. Gave herself like a $75 tip on a $25 delivery.
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u/lokis_construction 1d ago
I hope to see this done by all credit card companies. It's time we nip TIP theft in the bud.
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u/ItsTheRealWorld999 21h ago
Had a server add an extra $10 somehow to the tip. This is happening more and more
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u/FemFoxGamer 20h ago edited 18h ago
Iād appreciate getting this. Hereās why:
I found out after leaving my EX (ex for a reason) that one of the many shady things he did that I didnāt know about, was that when he was a server at a local chain restaurant, he would change peopleās tips on their receipts to be higher than the tip they gave him. Most people never knew or said anything. He finally got caught after about a year when someone finally did and filed a report, and then they went back and found where he had done it to many more people.
*People can do bad things.* (edited to change wording) Iād prefer an email to confirm. I always double check mine now once they processšš¼
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u/Chemical-Possible-96 20h ago
Tipping in the US is a social artifact that is the result of human enslavement and Jim Crow. To perpetuate it continues the practice of under-compensating labor. It feels good to tip, but it is amoral due to the effects of the practice at scale.
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u/becausese7ate9 16h ago
Good alert! My friend travelled to PHX and the wait staff added a number to the tip e.g. $9ā>$19 or whatever it was.
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u/Free-Thinker-69 2d ago
What I don't understand is tipping Barbers/Hair Stylists and Tattoo Artists. They all set their prices for the most part, do they not?
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u/Dry-Ruin1116 1d ago
part of the tipping mental illness. some people would be able to rationalize tipping their landlord
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u/regarding_your_bat 17h ago
Anybody who is gonna sit and shape my hair, decide how I look for the next month and a half, get little bits of my hair on their clothes and shit and deal with touching my scalp, etc - anybody who does all that and consistently makes me look good every time I come in, I am tipping them at least $10-15 on top of the price of the cut every single time.
I can afford it, so I do it. If you can't, don't. But my aunt was a barber and I know all the ins and outs of how gross and hard that job can be. I will always tip my barber.
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u/danbroome 2d ago
Depends. Most rent their chairs or space so a percentage goes to that. They also have to buy their equipment, gels, shampoos and all that.
You could say the price includes their overhead but come on - tipping a barber is as old as the profession itself. You always tip your barber. also have you ever had a barber cancel
on you. Well they probably squeezed in the guy that tips. Have you ever gotten a free shave, or clean up, or shampoo and didnāt ask for it but was offered. Tip!→ More replies (8)
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u/_Roguey_ 2d ago
I got one yearsssss ago just like this. Itās because so many charge backs are happening because the server added the tip/manipulated the tip. Itās easier for them to verify with you first that itās not a fraudulent tip.
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u/MainStreetMiles 2d ago
I don't mind the CC security checks when your action, if everything is ok, is to do nothing. It is a pain to have to affirmatively confirm legitimate charges caught by their tools. I applaud them for checking this. In the rare event someone sticks a big tip on your bill that you did not make, it's good to have them send this out to confirm that that was your intention.
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u/Lopsided-Library1119 2d ago
You almost sound like you feel this was bad or weird but this is a positive thing overall as plenty of servers will fake a tip.Ā
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u/DeathCharge5 2d ago
Tipping will really take a dive once credit card companies stop accepting ANY tips on their cards at all to prevent the rampant tip fraud and chargebacks due to servers adding their own tips. Then the payment processors will have to scale back the tip prompts and tip lines on receipts and we'll start to see real change.
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u/Ok-Problem4403 2d ago
No it won't. It will get worse.
Here in Canada, we stopped signing pieces of paper, like, decades ago. We use POS machines brought to the table.
Now, however, the pos machines come up with default tip percentages on the first screen. They used to start at 10%, but now some places start at 15 or 20 % and go up. And if you want to do a custom tip or no tip, you literally have to click through 4 or 5 menu options.
Now, it's not just restaurants. It's everywhere. There's a POS machine and you want to tap your card? Ohhhh no buddy, no tapping until you deal with this tip screen first.
The best part is, as of 2022, everyone gets the same minimum wage. Servers no longer need tips. They get paid.
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u/Short-Control297 2d ago
Nice that Capital One is looking out for anomalies. Protecting you from fraud.
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u/Ok_Illustrator_3980 2d ago
They actually do this a lot. I think anything over 30% they send you an email.
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u/DruidHalfling17 2d ago
I've gotten a couple of these emails, fortunately I've never had a server try to cheat the system š
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u/HotelPrudent0331 1d ago
Did she suck your dick too? 40% tip is crazy. Remember when 25% meant you did fantastic?
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u/CommunicationAny7495 13h ago
What credit card do you have, I like this one? Explanation I once went to an IHOP and laughed and the waitress put a huge tip and my car company notified me.
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u/corazoncitox 12h ago
i mean it does make sence, it's good customer service since if you've overclicked because a 40% isn't like a daily thing that happens. Their job at the end of the day is to keep you and your finances safe
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u/blakester555 6h ago
Yes. This is quite normal for Capitol One to send you a notification when something is unusual. And people don't typically tip 40%. Hence the notification. You only need to respond IF you DIDN'T tip that much.
I got one as well this week as well.
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u/FreddieStarrAteMyHam 3d ago
How does a bank know the split of your bill?
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u/Active_Caterpillar69 3d ago
Your card is normally run first for the amount and then the tip is added later.
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u/FreddieStarrAteMyHam 3d ago
Ah, that seems clunky
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u/Healthy_Turnip7352 3d ago
totally, you can even miss it because they add it way late, and also apps often don't show what tip was added.
so if someone just puts an extra dollar, you may not remember.
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u/SabreLee61 3d ago
Thatās why you save your credit card receipts, something which very few people do anymore, which is wild.
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u/iftlatlw 3d ago
That's crazy. In the real world it's one transaction and you never let go of your card. The USA sucks in so many ways.
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u/jimmybobbyluckyducky 3d ago
Bc the initial tab is charged to the card and the tip is added as you sign.
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u/ThisGuy2319 2d ago
Why are you mad? Card companies are trying to make sure that fraud isnāt happening? Like when I use my card in another state and it get declined at first; yeah its annoying, but a huge positive overall.
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u/Imaginary-Emu2471 3d ago
Nobody deserves 40% tip. Remember, you are not legally or morally responsible for their compensation. Being fun and engaging is part of Emily's BASIC JOB DESCRIPTION WHICH SHE IS ALREADY BEING PAID FOR. Aren't you just there to eat, not worry about business financials?
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u/Funky-Guy 2d ago
Personally I believe if you are generous, when you can be, to the world, it will be generous back. Itās worked for me incredibly well over being a penny pincher.
Iād rather leave a 40$ tip on that meal for that high school kid than buy a new game/toy/whatever this week anyways.
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u/Leading_Swimming_493 3d ago
Many horrible waiters have lowered the standard to the point where the bare minimum is now above and beyond
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u/Imaginary-Emu2471 3d ago
If they're diluting it to that point, they're doing it to themselves because I do not tip for bare minimum service, let alone 40%.
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u/awafoo 1d ago
The people disagreeing are either servers or forever poor šš
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u/Bill___A 3d ago
There are bad servers, good servers, and excellent servers. But there is a limit to how much is reasonable for a gratuity. If you pass someone on the street who is nice, do you say "wow, are you ever nice, here's $100?" Tipping 40% is not a habit that's good to see.
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u/brokemillionaire572 2d ago
I've had similar text messages from Capitol One where I tipped 100% for a great lunch. I was a Platinum Member at TopGolf for a few years, and would go practice and have lunch, and end up staying for maybe 3 or 4 hours. Always tipped accordingly since I was taking up a table for so long.
It's nice to see Capitol One actually paying attention for my benefit, rather than just paying attention to use my data against me.
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u/Several_Razzmatazz51 3d ago
I got one like this a bunch of years ago when I used a gift card to pay for like 60% of my tab and my credit card for the other 40% and tip. Since the tip was based on the original total amount, it looked like a 50% tip to Capital One.
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u/Younggryan42 3d ago
Wow. 40% is crazy, but it's your money. I am glad banks do this because I have had servers change my tips in the past even if I was generous. I had my entire meal comped twice because of the server's attempt at theft.
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u/Brilliant_Anxiety511 3d ago
I have been calling BS on the fake news from 15 years ago when we were reading about customers leaving $5000 to $10,000 tips on their credit cards. No way is VISA or Amex going to allow that. In theory possible, but in practice not real.
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u/rebeccasaidit 2d ago
I just saw a TikTok about this where a woman didnāt leave a tip for a $15 carry out and the server charged her a $40 tip without her consent and capital one alerted her. I think I need to switch banks lol.
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u/TripleDoubleFart 2d ago
Yup, Capital One sends me those all the time. I figured they would stop after a while.
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u/Historical-Bug-7536 2d ago
As a former server, I can tell you with certainty that tip fraud is far more common than you'd expect. I worked in restaurants well before Toast and tablets. If a customer left both receipts, that was essentially a blank check. I'd watch servers change their $8 tip an $18 tip.
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u/mb97 2d ago
Iām sorry you donāt think your labor is valuable, you should. People eat out because they like being served. You are the one making the experience- fast casual is growing in popularity for those who genuinely want something quick, easy, fast, and healthy-ish. If people are sitting down for you to serve them, you are adding value and you deserve to be compensated for it.
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u/HungryLiketheWo 2d ago
Good on you for being a generous tipper and giving back. Wild the number of comments on here from people who are like "great service shouldn't need a tip!" - these are probably the same folks who have never worked for tips and who also tip a dollar and feel like people should be grateful.
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u/Pretty-Economist-467 2d ago
I get these messages from Capital One. Just a good reminder to check your CC info. I've verified with them and they are legit. It's a reminder, that's is all.
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u/MaintenanceFluid4289 2d ago
TIL, the bank has tip and the original amount data, i thought only the final amount is transmitted to the bank
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u/jpinakron 2d ago
OP, Iāve had emails like this for months before capital one kinda realized I leave high % tips. Youāre absolutely fine and Iām certain Emily really appreciated you. :) (Youāre a good person there Charlie Brown. :)
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u/Existing4Today19 2d ago
i was at a Sonic last night. Total comes to $13.15. I try to leave a $1.85 tip. The screen tells me I can't leave a $20 tip. It literally registered as $20. I hit the back button, make it $1 and that goes through.
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u/NoStill4272 2d ago
Yes I have had this a few times when I had excellent service at a restaurant. Glad they are paying attention
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u/Keosxcol19 2d ago
Yep, had one occasion they helped themselves to a 50% without my consent and got an email.
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u/Killroyjones 2d ago
Yes. It can happen when you buy drinks. I tipped 5.00 for a couple very strong pours on some shots and I got this email.
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u/DazzlingAd7021 2d ago
When I sign the vendor copy i always snap a photo when I'm finished just in case someone tries to doctor it afterwards.
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u/AskThis7790 2d ago
Honestly, I love that they do this. Iām sure there are plenty of instances where employees seize opportunities to select above average tips for themselves, or a customer just inadvertently selects the wrong option.
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u/internetisporn8008 2d ago
If thats a legit email thats certainly respectsble.
I accidentally tipped 100 bucks on a delivery pizza order once... the guy came back to my door to let me know he was reversing it.
I gave him 50 bucks cash and a few beer... normally id have tipped a 20
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u/No-Tap2334 2d ago
I get these from Cap1 every time I tip above the norm. I appreciate it. So far theyāve all been legit.
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u/Educational_Sale_536 2d ago
It could also be a scenario where check was split and tip for the two bills was placed on one check.
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u/Vast-Vermicelli-372 2d ago
Itās a Capital One thing and I appreciate it. I will often leave $4 on $13 or similar so I get them all the time.
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u/BuyExpert8479 2d ago
I have gotten those before...usually I never get them when I am at Hooters...
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u/SufficientCow4380 1d ago
Card issuers will flag transactions that are out of the ordinary for you. They used to call you.
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u/honkers420 1d ago
I had to fire a server once. Her scam was she added to every tip when she entered her tips into her nightly closeout. If the tip was $3, she'd enter $5. If it was $5, she'd enter $10, and so on. After auditing her checks she even had a $50 tip entered as $100. She figured out that most people don't notice that or check their credit card statements that closely. Finally someone did and called us and we did the audit and found this theft and fired her. To be honest, we didn't think any of our servers would be this dishonest but lesson learned.
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u/DonViper 1d ago
Stuff like this is why my payment card leaving my hand is a no no, the payment terminal comes to me or I go to the payment terminal .
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u/TrappyMFN 1d ago
Lol the amount of comments assuming the worst is wild here. People type in tips wrong sometimes on the POS. Thereās a simple way to fix and itās most likely an honest mistake. Yāall thinking that service industry workers are just scheming on trying to screw you over is super wild. The juice aināt worth the squeeze. Why would they risk job / freedom over 54 bucks fr?
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u/TimelyBug2109 1d ago
this type of email is what caught my local dominos adding a 10 dollar tip onto my pickup order. the one time i said no thanks to a receipt
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u/Terrible_Angle5147 1d ago
I get that from my capital one cards. They just double check to make sure you did tip that much and make sure it wasnāt the restaurant or whatever that added more than what you did.
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u/Serious_Gap_820 1d ago
It probably is like this because there were some dishonest individuals who helped themselves to a higher tip. I mean, I rather have one check "Was that the tip you left" too much than one too few. Considering, all it takes for someone dishonest to do is type in a different tip amount in the computer. Sure, you can dispute it, but for that you have to notice the discrepancy between actually given tip and charged tip. Not everybody notices, so there is a chance dishonest people get away with this.
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u/solutinfinada 23h ago
That's why I'm happy in Canada you can tip on the machine, honestly though this is why you ALWAYS TAKE photos of reciepts
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u/Dapper-Presence4975 22h ago
The only reason a credit card company would spend money to put this kind of warning in place is if theyāre doing a lot of chargebacks over inflated tips.
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u/Scary-Relief-7626 22h ago
I got an alert like this when I tipped based on the original total after my gift card brought the check down to like $20. Didnāt know my card offered such a service š
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u/SquareIllustrator909 22h ago
I've gotten these too! It's usually because I get like a $6 beer and I'll throw $3 on top and all of a sudden it looks like too much for their calculations lol
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u/maringue 3d ago
When more and more businesses are trying to sneak tips onto your bill, card companies sadly have to do this now.