This past February, I caught the Giant Eagle market in Latrobe with its hand in my pocket.
On February 03, 2025, I cashed a check in the amount of $30.00 at the Latrobe Giant Eagle office. The cashier processed the check via electronic bank transfer (EBT), which instantly withdrew the $30.00 from my checking account. I was never advised the check was being processed via EBT, as required by the Electronic Funds Transfer Act, and the check was never returned to me afterward.
I was only while balancing my checkbook the next morning that I noticed that my check to Giant Eagle had been processed via EBT: The amount of the check had already been withdrawn from my account.
But while routinely balancing my checkbook again ten days later, on February 14, I was surprised to see that my February 03 check to Giant Eagle--check number 9118--had been processed again, and the amount withdrawn from my bank account a second time.
I learned afterward that after my February 03 check had been deducted from my bank account via EBT, Giant Eagle instead of returning the processed check to me had submitted the check to their bank, which had withdrawn the funds from my checking account again.
Up until that time, I shopped at the Latrobe Giant Eagle frequently. Between February 03, the date when Iād cashed check # 9118, and February 14, when I discovered the second withdrawal, the supermarket had also charged me twice for two additional checks, #9120 and #9122. As with the first check, Giant Eagle had cashed the additional checks by EBT, and then cashed them a second time through their bank.
So I visited the office at the Latrobe Giant Eagle to report the continuing problem, and was stunned to learn from the store manager that my checks had been listed by the store as having been returned by my bank for insufficient funds.
The managerās explanation wasnāt feasible, since my checking account features overdraft protection, and always contains a minimum of $1000 in available funds. When I attempted to explain the anomaly to the manager, she refused to listen, and instead advised me to contact Giant Eagleās corporate headquarters in Pittsburgh.
The call to Giant Eagleās corporate headquarters was a waste of time. Rude and sarcastic, the Giant Eagle corporate representative insisted there had been no mistake: My checks had been returned by my bank for insufficient funds--and that Giant Eagle was also now charging me an additional $30 in fees for each of the three "returned" checks. Further, the representative advised me the entire matter had been turned over to a debt collection agency, attacking my credit profile.
At that point, I contacted the Office of the Pennsylvania Attorney Generalās Bureau of Consumer Protection. I submitted to the Bureau documentation from my bank of Giant Eagleās continued financial antics--including notations of my positive account balances on the dates of all three ābouncedā checks. The Attorney Generalās office then contacted Giant Eagleās corporate headquarters for an explanation.
Confronted with the conclusive, irrefutable documentary proof of their culpability, Giant Eagle eventually acknowledged their misdeed, dropped the claim with the collection agency, and reimbursed my bank for the amounts they'd wrongfully appropriated. The corporation's letter of acknowledgement was sent to the Attorney Generalās office, which graciously shared a copy with me. The letter bore no signature, I noticed: It was signed āGiant Eagle Corporation.ā
Giant Eagle never contacted me with an explanation or apology, despite nearly a month of anxiety, torment, embarrassment, and stress, as well as the time and effort Iād needed to invest in gathering documentary proof of their staffās outrageous misdeeds.
Naturally, I no longer shop at the Latrobe Giant Eagle. I occasionally stop at other Giant Eagle supermarkets for specific items on sale. But now I pay for my Giant Eagle purchases in cash, I examine the register receipts fully before I leave the checkout line--
--and I always, always, carefully...
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