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I was going through my bank account and discovered a charge at a grill for 18.50, dated July 7th.
Now, I remember the day I went to this place and it was the day of the France vs Germany game. All I ordered was a $6.95 french toast (looked up their menu). I remember I just wrote down $1.50 to even out the numbers on my Debit card receipt as a tip.
What im thinking is either the waitress misread it as 11.50 or she just decided to over charge me tip.
Im looking for advice on what to do. I might just let this go because its like $11 at most and this goes all the way back to early July. Do I contact my bank over a small amount of money?
Now Im never tipping through card and will leave cash..
Last edited by The great chase; 07-27-2014 at 01:03 PM..
Take your receipt and your CC statement to the restaurant.
Manager should fix it, if he/she wants your return business.
Depending on how much of a hassle driving to the restaurant is, I'd either do this, or just send an email with attached receipt to the CC company and have them deal with it. It's not enough money to put too much effort into it.
You just need to call the fraud/dispute dept for the bank and let the bank handle the dispute process. The bank will require the business to submit the signed receipt and send you a statement to sign if needed.
Any time I've had an erroneous CC charge, I called the business and usually straightened it out over the phone. It's easy enough for them to look up and it seems like this could have been a legitimate fat finger error. Don't get defensive or hostile, just call and explain what happened and chances are they'll reverse the charge.
I only use a dispute charge if I can't resolve with the company directly. That's one of the things that drives up the interest rates.
You just need to call the fraud/dispute dept for the bank and let the bank handle the dispute process. The bank will require the business to submit the signed receipt and send you a statement to sign if needed.
not for this amount...they will just credit the amount and leave it be.
Think about the labor cost involved to investigate one of these disputes?
From a business prospective...easier for the bank to just write it off.
I once challenge a McDonald's charge of $45 (should have been $4.50) and that's how Wells Fargo handled it. No contact made to the place and just a simple reversal of charges.
I can't imagine them (the bank) launching of a huge investigation into a recovery of $10.
I think what everyone is missing so far is that it's pretty obvious that the OP doesn't have his receipt. And without a receipt of any kind, it is going to pretty difficult to dispute a charge. All he has is his memory of what he thinks the charge should have been.
Good luck with that one.
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