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How to deal with a restaurant overcharging my card?

Posted on 5/9/15 at 11:51 pm
Posted by tween the hedges
Member since Feb 2012
20245 posts
Posted on 5/9/15 at 11:51 pm
Went out to eat with 2 friends on Thursday. One person paid cash and me and another split the rest with our cards. The server initally thought the girls 25 was her tip and just kept it and split the total bill in half 2 ways between the cards . When we corrected her and told her to take the cash off the bill and split the restl, she did and ran it again. However, it looks like my card got charged for both transactions(weirdly enough one was posted that night and one was just posted tonight).

Do I call the bank or call the restaurant? Would have to go way out of the way to show up at the place in person.
Posted by foshizzle
Washington DC metro
Member since Mar 2008
40599 posts
Posted on 5/9/15 at 11:52 pm to
If it is only $25 then forget it and move on. People screw up sometimes.
Posted by LSUzealot
Napoleon and Magazine
Member since Sep 2003
57656 posts
Posted on 5/9/15 at 11:52 pm to
This post was edited on 5/9/15 at 11:54 pm
Posted by tween the hedges
Member since Feb 2012
20245 posts
Posted on 5/9/15 at 11:53 pm to
It's 40 and I'm OT poor.
Posted by cgrand
HAMMOND
Member since Oct 2009
38750 posts
Posted on 5/9/15 at 11:54 pm to
how is it possible that you have a credit card and don't know how to dispute a charge?
Posted by GulfCoastPoke
Port of Indecision
Member since Feb 2011
1087 posts
Posted on 5/9/15 at 11:55 pm to
Call cc. They will handle.
Posted by Displaced
Member since Dec 2011
32711 posts
Posted on 5/9/15 at 11:55 pm to
have they both gone through or are they still pending?
Posted by nahtanojc
Baton Rouge
Member since Aug 2006
980 posts
Posted on 5/10/15 at 12:00 am to
Wait until Tuesday and then check your account again. If you still see two separate charges, then call the restaurant and have them look into it.

Most of the times, whenever a server slides your card at a restaurant, the bank will put a hold on your account for the amount it was swiped for. (plus an extra 20% to cover whatever tip you give)
Banks typically don't process the charges for the weekend until Monday, and so the "accidental" charges that were flagged by the bank usually disappear that night.

No sense calling the bank, since they will pass the blame to the restaurant. Calling the restaurant can be beneficial if it was indeed a double charge, but if it is a hold, then there's nothing they will be able to do about it and will just tell you to call them back later next week if there is still a problem.
Posted by tween the hedges
Member since Feb 2012
20245 posts
Posted on 5/10/15 at 12:02 am to
Thanks. Why google stuff when I have the OT? Looks like it's still pending. I'll see my way out.
Posted by tween the hedges
Member since Feb 2012
20245 posts
Posted on 5/10/15 at 12:03 am to
quote:

how is it possible that you have a credit card and don't know how to dispute a charge?

The letter VISA sent me had a big G on the envelope and I couldn't say no.
Posted by td01241
Savannah
Member since Nov 2012
22844 posts
Posted on 5/10/15 at 12:06 am to
I was a bartender for a while and this happened sometimes. It should only show up for 3 days because what it does is basically put the money on hold until the end of the night when they run all the cards. As long as the first charge was voided it'll go away.
Posted by DeathValley85
Member since May 2011
17168 posts
Posted on 5/10/15 at 2:37 am to
Had a bar overcharge me. I just called the bar and explained that it was wrong.....manager fixed it right away.

Easy peasy.
Posted by RonBurgundy
Whale's Vagina(San Diego)
Member since Oct 2005
13302 posts
Posted on 5/10/15 at 3:05 am to
the charge will drop off in a couple of days
Posted by LSU Wayne
Walker
Member since Apr 2005
4365 posts
Posted on 5/10/15 at 7:40 am to
frick em in the drive thru
Posted by VABuckeye
Naples, FL
Member since Dec 2007
35523 posts
Posted on 5/10/15 at 8:28 am to
Has the charge cleared or is it still listed as a pending transaction? If it's pending there is nothing you can do until the charge clears. I've had instances like this in the past where the problem cleared itself up when the charge cleared.
Posted by HurricaneDunc
Houston
Member since Nov 2008
10472 posts
Posted on 5/10/15 at 8:32 am to
quote:

Has the charge cleared or is it still listed as a pending transaction? If it's pending there is nothing you can do until the charge clears. I've had instances like this in the past where the problem cleared itself up when the charge cleared.



This is the correct answer.
Posted by udtiger
Over your left shoulder
Member since Nov 2006
98702 posts
Posted on 5/10/15 at 8:38 am to
Call the restaurant and bitch. If you don't get satisfaction there, call the CC company and contest the charge.
Posted by WPBTiger
Parts Unknown
Member since Nov 2011
30972 posts
Posted on 5/10/15 at 8:44 am to
Probably pending charges. Wait until they post to see if still a problem.

I am not sure how it happened, but one time I went to a restaurant and charged it. Kept copy of my receipt because the pending charge was over what my bill was. When it posted it was for more then I signed for. Went to restaurant and showed manager and he just gave me the difference in cash.
Posted by GeeOH
Louisiana
Member since Dec 2013
13376 posts
Posted on 5/10/15 at 9:49 am to
One will drop off. AuthorizTions are temporary and fall off if the transaction is never completed by batching.

Be patient, in 3 to 5 BUSINESS days the first will disappear.
Posted by jmarto1
Houma, LA/ Las Vegas, NV
Member since Mar 2008
33921 posts
Posted on 5/10/15 at 10:11 am to
quote:

One will drop off. AuthorizTions are temporary and fall off if the transaction is never completed by batching.

Be patient, in 3 to 5 BUSINESS days the first will disappear.



This. You'd be amazed at how many people do not know how their debit cards work. Not taking a shot at you OP.
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