A friend of mine accidently wrote a bad check. She was charge a return check fee by the bank for $25
She then noticed that a local merchant electronically represented both the check and a service fee. There wasn't enough money so she got debited for two return check charges by the bank.
A week later this local merchant did this again - but there was enough money to cover the check and the service fee.
She never got a notice from this merchant that this was going to occur and she never authorized this. Can they do this?
Now she's out $75 to the bank for one returned check and $30 to this merchant.
She then noticed that a local merchant electronically represented both the check and a service fee. There wasn't enough money so she got debited for two return check charges by the bank.

A week later this local merchant did this again - but there was enough money to cover the check and the service fee.
She never got a notice from this merchant that this was going to occur and she never authorized this. Can they do this?
Now she's out $75 to the bank for one returned check and $30 to this merchant.