I don't know if anyone has experienced this problem. For the second time in as many months at two separate restaurants, I paid the bill with my ATM/credit card and left a cash tip (both times above 20%). I clearly marked 0 in the tip section and wrote out the correct total and signed the bill. On both occasions, when checking my account the next day, I discovered the restaurant tacked on an additional 18-20% tip to my bill. On the first occasion, I called the manager, who was apologetic, and, after faxing him my statement and the bill, credited my account. The second time, which just happened a few days ago, I'm still dealing with, and the manager is saying that they only sent in a charge for the cost of the meal. Now is this a policy at restaurants or banks to do this? That the customer has funds wrongfully deducted from his or her account until the problem is rectified is clearly inappropriate.