Restaurant charged me twice, HELP?

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5 posts
Kimlim
 
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Location: New York

Restaurant charged me twice, HELP?

Postby Kimlim » Thu Sep 13, 2012 5:11 pm

My husband was at a restaurant in Mexico city on a business trip, he tried to pay for the bill with his Mastercard, but the waiter told him that his card was declined. He had no choice but to pay in cash. He was not issued a receipt even after insisting for one.

Three days later, when he checked his transactions online, he was surprised to find that he was charged and it was for an amount that was almost three times the amount he had paid for in cash. He immediately called the credit card company to inform them of the charge and also followed it up with a letter.

He received a reply asking him to provide the following :

1) If you paid in cash, please send a copy of the cash receipt.
2) A statement that you contacted the merchant and requested a credit and that the merchant refused to issue a credit to you.

Without this documentation, they will be unable to assist with this matter as MasterCard regulations require proof of payment by another method.

He has to reply by a Sep 22. If a reply is not receive by this date, then it will indicate that the charge is accepted and he no longer need their assistance. The inquiry will be considered closed.

He cannot provide a receipt because he was not issued one. As for a statement from the merchant, it next to impossible.

Can the charge be considered unauthorized? Please help, really cannot afford to pay for it. We really need to help..any suggestions would be greatly appreciated.


trumpet-205
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Postby trumpet-205 » Sat Sep 15, 2012 4:41 pm

Call the credit card company and explain it to them. You can also tell credit card company to produce signed receipt of credit card used in the restaurant (which is either fake or doesn't exist).

What credit card company is this by the way?
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Kimlim
 
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Location: New York

Postby Kimlim » Sat Sep 15, 2012 6:25 pm

Thanks. I will try to call the credit card company 'JAL USA Card' to explain.

As for the signed receipt, does the receipt need to be signed since some credit transactions need not require signature like online shopping or even some purchases made in store like in supermarkets.

Maybe explaining personally over the phone, clarify things up better. Thanks again.

jeffysdad
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Postby jeffysdad » Sun Sep 16, 2012 6:07 am

You need to fight this. Do what Trumpet said. Be polite but firm. In my mind, this certainly qualifies as an unauthorized charge. You might try contacting the restaurant if you haven't already. Remember that you have the BBB and FTC to turn to if the CC company absolutely refuses to do what's right. You also should close the account if that ultimately is the case.

As if the world needed another reason not to travel to Mexico.
American Express: Blue Cash Preferred (groceries, 6%; gas, department store, 3%); Gold Delta SkyMiles (Delta Air Lines, 2 miles/dollar, free checked bag).
US Bank: Cash+ (utilities, phone, internet, restaurant, 5%; drugstores, 2%).
FIA Card Services: Fidelity Amex (everything, 2%); Fidelity Visa (everything, 1.5%).
Chase: Freedom (rotating, 5%); Amazon (Amazon.com, 3%); PriorityClub (IHG hotels, 5 points/dollar); Sapphire (not in use).

*All cards are registered with PriorityClub IDine program for 8 points/dollar at participating restaurants.

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FastSRT8
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Postby FastSRT8 » Thu Sep 20, 2012 11:49 am

jeffysdad wrote:You need to fight this. Do what Trumpet said. Be polite but firm. In my mind, this certainly qualifies as an unauthorized charge. You might try contacting the restaurant if you haven't already. Remember that you have the BBB and FTC to turn to if the CC company absolutely refuses to do what's right. You also should close the account if that ultimately is the case.

As if the world needed another reason not to travel to Mexico.


Damn, yet another reason to use the camera on your cellphone to take a photo of the bill and the cash used to pay it. Atleast with this you can argue you did pay. Hell, I think I would do that myself next time. Photo of the credit card saying declined and then photo of cash used to pay.
Carpe diem quam minimum credula postero!



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