Hi everyone. In mid-February I went to my local liquor store and purchased a pack of cigarettes and a bottle of alcohol. The amount was $24.72 which I paid for with a Chase Visa credit card. I do not have the receipt. I might have declined a receipt, I might have been given one and thrown it away, I can’t recall. (Lesson beyond learnt)
A few days later I noticed that the charge that had been applied was $2424.72. I was shocked… and then realized that the cashier had just typed in ’24’ twice and thought that it would be an easy fix. I called Chase to report fraud, they told me it wasn’t fraud and I needed the receipt to do anything about it. I should go to the merchant.
I went to the liquor store the next day. It’s owned by a Korean man in his 80s who doesn’t speak good English. I explained the situation and he apologized and said it was a genuine mistake and he needed to check his bank to see that the money had credited and he’d refund the excess. He doesn’t have internet banking, so he tried calling Bank of America but nothing was achieved. He said he’d go to the bank and ask them to print his statement the next day.
The next day I went and he told me he hadn’t been able to go to the bank yet. He was becoming less helpful each time we spoke, but even then his staff member who had served me that day acknowledged the mistake and apologized. I asked him to find the cashier receipt and he said he didn’t have them. He promised me he’d go to the bank tomorrow.
The next day I went in and he showed me the statement and told me that the amount I was disputing (2424.72) wasn’t on his statement. But his statement doesn’t show individual transactions, it shows daily totals… and each day before and after the day in question, the daily totals were between $250 and $450. The day they charged my card, his daily total was over $2700… I tried explaining that this wasn’t showing individual transactions, it was showing daily totals… but he wasn’t listening and was becoming more standoffish and aggressive. I took a photo of that page of his statement and to this day, it’s the only documentation I have.
I’ve been reading dozens of threads on Reddit and across the web trying to make head or tail of what I should do. I’m overwhelmed between Chargebacks, Billing Errors, Claims and Defenses, Small Claims Court etc. What I know is that I am approaching the 60 days since the statement that this transaction appeared on. I feel like the best thing would be to dispute the claim in writing to Chase because they were so dismissive when I spoke to them on the phone. If someone would just investigate, look at the business, look at the statement, they’d clearly see that this transaction isn't legit.
Super grateful in advance for your help.
Submitted April 11, 2024 at 10:27PM by lechatlisse https://ift.tt/AFNuCGZ
