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I must assume that it was a Visa check card with the Visa logo on it. I doubt that Applebees takes ATM cards. You have not only the power of Visa behind you but the power of your atrocious bank also. Since you didn't put in a PIN number when you bought your food, they MUST treat the transaction in the same way.
My opinion: You are being duped. Change banks. But that is the beauty of banks these days. They treat people with horrific customer service and we just lie there and take it. I had all my personal and business accounts with Chase for many years. They tried to do the same type of thing and waited weeks to resolve an issue. Bank of America welcomed me with open arms. When I closed the accounts with Chase, suddenly they became remorseful and the branch president asked me what they could do to re-earn my business. I told them they should have asked that question weeks ago.
The art of customer service is dead in America. We have to find it where we can. I bet if you show up at Applebees with a picket sign, your issue would get immediately resolved. Tell them you will buy an ad in the local paper that tells your story. Wonder what Applebees corporate office will think of that?
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"Life is either a daring adventure or nothing at all." Helen Keller
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