would you dispute a $1.70 unrecognized charge at a gas station?

For just about anything you want to get off your chest about credit cards.
10 posts
leev18
Green Member
Green Member
 
Posts: 12
Joined: Sun Aug 11, 2013 3:05 am
Location: California

would you dispute a $1.70 unrecognized charge at a gas station?

Postby leev18 » Sun Jun 15, 2014 6:33 pm

This $1.70 was charge during a gas purchase in California.

I bought $25 of gas + a $1.99 drink inside the store, totaling $26.99 as shown on the receipt. when I came back home and check my credit card online account, I noticed this unusual $1.70 pending charge. A little research suggest that this $1.70 pending charge could be just a temporary for verification processes and that it will be put back to my credit card.

About a week later, the charge hasn't been reverse yet. Instead it went from pending to completed.

Would you dispute an unrecognized small charge, even if it's just for 1 dollar.


thom02099
Centurion Member
Centurion Member
 
Posts: 467
Joined: Sat Apr 13, 2013 7:49 pm
Location: Colorado, USA

Postby thom02099 » Sun Jun 15, 2014 7:00 pm

leev18 wrote:This $1.70 was charge during a gas purchase in California.

I bought $25 of gas + a $1.99 drink inside the store, totaling $26.99 as shown on the receipt. when I came back home and check my credit card online account, I noticed this unusual $1.70 pending charge. A little research suggest that this $1.70 pending charge could be just a temporary for verification processes and that it will be put back to my credit card.

About a week later, the charge hasn't been reverse yet. Instead it went from pending to completed.

Would you dispute an unrecognized small charge, even if it's just for 1 dollar.


Call up the card issuer, have them look into it. Presumably, this is in addition to your $26.99 purchase? Does your gas purchase show up?
Retired, and in the process of retiring cards!
EQ = 846 EX=828 TU = 836 as of 02/2016

Gamma
Centurion Member
Centurion Member
 
Posts: 464
Joined: Sat Sep 15, 2012 1:15 am
Location: Los Angeles, CA

Postby Gamma » Sun Jun 15, 2014 7:09 pm

Yes, even if it was for 1 penny, I would absolutely report it as unauthorized or possible fraudulent charge

augiedog
Centurion Member
Centurion Member
 
Posts: 252
Joined: Fri Jun 07, 2013 9:46 am
Location: Broward County FL

Postby augiedog » Sun Jun 15, 2014 7:19 pm

People who steal card numbers try the card out with a small purchase at first to see if it's noticed before attempting to make even more smaller incremental charges.
American Express: Blue Cash Everyday (10k), Everyday, ; Discover It (7.3k) ; Target (2.1k)

Citi: Diamond (2k) ; Bank of America: Cash Rewards (2.6k) ; Capital One: Quicksilver (3k) , Sony ; Chase: Freedom (3.7k), Slate (3k), (Amazon) ; Barclay Ring ; Synchrony: Walmart MC, Amazon, Ebates

rockyrock
Centurion Member
Centurion Member
 
Posts: 803
Joined: Thu Mar 21, 2013 6:06 am
Location: Ventura, CA

Postby rockyrock » Mon Jun 16, 2014 8:59 am

I would try to contact the gas station first and if that didn't work call the issuer. It may be a genuine oversight or simple mistake.
American Express (2005): Premier Rewards Gold & Blue Cash Preferred
Chase: Freedom & UA Club USAA: Signature Visa & American Express
Discover it Bank of Hawaii Hawaiian Airlines WEMC Synchrony Sam's MC
Navy FCU Platinum Visa Citi Double Cash & AT&T Access MC

jrmsu
Platinum Member
Platinum Member
 
Posts: 79
Joined: Sun May 04, 2014 9:53 am
Location: Mississippi

Postby jrmsu » Mon Jun 16, 2014 2:04 pm

augiedog wrote:People who steal card numbers try the card out with a small purchase at first to see if it's noticed before attempting to make even more smaller incremental charges.


That happened to my brother with his debit card. He let the small charges go till the small charges became bigger.
My Cards:

Discover It - $8,450 (9/13)
BankAmericard Cash Rewards Visa Signature - $5,000 (4/14)
Chase Freedom - $3,000 (5/14)
AMEX Hilton HHonors - $16,500 (6/14)


User avatar
CarefulBuilder14
Centurion Member
Centurion Member
 
Posts: 3757
Joined: Thu May 08, 2014 7:42 pm
Location: United States

Postby CarefulBuilder14 » Tue Jun 17, 2014 11:09 am

rockyrock wrote:I would try to contact the gas station first and if that didn't work call the issuer. It may be a genuine oversight or simple mistake.


Contacting the gas station is the first step. If you've somehow forgotten something and you legitimately owe it, then the credit card company doesn't need to be involved.

If they give no explanation but agree to reverse the charge, I'd still contact the credit card company anyway. The gas station could be scamming a lot of other people.

I don't know what the proper amount of time to allow them to reverse the charge is. It should not have gone from a pending to a posted charge.

I thought it might be an erroneous attempt to add CA state sales tax to the transaction, but $1.70 is 6.3% of $26.99. I think the minimum sales tax in CA is 7.5%.
Love: IHG, Platinum, Sallie Mae, AA Plat, CSP
Like: Discover, ED, BCE, Hyatt, Arrival, Freedom
Might drop: BrooksBros, Prestige (Costco PC?)
Might add: Proper business card, CSR, Ritz, Delta Gold
Letting new accounts cool off since May
Really not sure what I'll add next or when

sakhalin
Centurion Member
Centurion Member
 
Posts: 249
Joined: Thu Jul 05, 2012 6:55 pm
Location: West Coast

Postby sakhalin » Tue Jun 17, 2014 9:46 pm

I would cancel the card immediately and get a new card number.
AMEX BCE ($20,000), Citi Forward ($6,800), Discover IT ($5,250), BoA Travel Rewards ($1,800)

supercoolman
Centurion Member
Centurion Member
 
Posts: 176
Joined: Thu Jun 12, 2014 12:48 am
Location: South Bay Area

Postby supercoolman » Tue Jun 17, 2014 10:47 pm

you should always be alerted of all unknown transactions no matter how small it is. if someone can do a small transaction without your approval, then there is nothing stopping them from doing a big transaction

mah300274
Green Member
Green Member
 
Posts: 3
Joined: Wed Jun 18, 2014 9:41 am
Location: Toledo

Postby mah300274 » Wed Jun 18, 2014 9:51 am

I know it is a credit card, but did you tell the pump debit? A lot of times it will do a temp charge like you said. No I would not dispute that charge because then it will look like you will dispute everything.. But I would watch it, especially if it happens several more times (especially if you are not going to the gas station)..



Return to “General Credit Card Talk”

Who is online

Users browsing this forum: No registered users and 2 guests