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Fishy Check Card Expenditures

SeptusSeptus Registered User regular
edited August 2008 in Help / Advice Forum
I'm going over my bank history online and I see an expenditure that looks really, really odd. Presumably, I'm supposed to have 100% "protection" against fraudulent expenditures. Any ideas as to the best way to check on an expenditure like this before trying to claim it was a mistake? It was at a restaurant, about three weeks ago, for about 5 times what I would ever spend there, especially since I don't ever go there with more than one other person. I could call the restaurant, but if they don't tell me what the purchase was on the receipt, would Visa have a copy of the receipt for records purposes?

PSN: Kurahoshi1
Septus on

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    grungeboxgrungebox Registered User regular
    edited August 2008
    Septus wrote: »
    I'm going over my bank history online and I see an expenditure that looks really, really odd. Presumably, I'm supposed to have 100% "protection" against fraudulent expenditures. Any ideas as to the best way to check on an expenditure like this before trying to claim it was a mistake? It was at a restaurant, about three weeks ago, for about 5 times what I would ever spend there, especially since I don't ever go there with more than one other person. I could call the restaurant, but if they don't tell me what the purchase was on the receipt, would Visa have a copy of the receipt for records purposes?

    Most restaurants will tell you what was on there, especially if you tell them you're afraid it's a possible case of fraud. They usually keep those things in the computer for just such occasions, at least in my experience. But call them during non-peak hours, and make sure you get a manager.

    Visa probably won't have the copy of the receipt. I think they only keep info such as time, place, amount, and so forth.

    EDIT: If I had to guess, the restaurant typed in the amount incorrectly. They don't charge your card till later (so they can add the tip to the total).

    grungebox on
    Quail is just hipster chicken
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    ShogunShogun Hair long; money long; me and broke wizards we don't get along Registered User regular
    edited August 2008
    What the poster above me said, or your waiter got a bit creative on the tip line.

    Call the restaurant.

    Shogun on
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    blanknogoblanknogo Registered User regular
    edited August 2008
    Just call Visa. Visa will send out a receipt request (a charge-back, I believe) to the restaurant who will then have to send proof of the purchase (receipt, your signature, etc.) to Visa within a certain time frame. If they don't, or if the proof doesn't backup the charge, they'll refund you your money. If it was a legitimate charge, they won't refund your money. There's no need for you to handle it on your end, and you'll probably find it difficult to get any help anyways.

    blanknogo on
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    SeptusSeptus Registered User regular
    edited August 2008
    And what about the places that don't require you to sign?

    Septus on
    PSN: Kurahoshi1
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    ShogunShogun Hair long; money long; me and broke wizards we don't get along Registered User regular
    edited August 2008
    Septus wrote: »
    And what about the places that don't require you to sign?

    Wait you purchased something at a restaurant using a visa credit card or debit card?

    Either way you should have to sign a receipt. Unless the restaurant offers punching in your pin number at the table or checkout or whatever you should've signed something.

    Shogun on
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    grungeboxgrungebox Registered User regular
    edited August 2008
    Septus wrote: »
    And what about the places that don't require you to sign?

    You have the date and amount based on your statement. They still have a receipt in their system, so they should be able to pull up the transaction.

    grungebox on
    Quail is just hipster chicken
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    MushroomStickMushroomStick Registered User regular
    edited August 2008
    Shogun wrote: »
    Septus wrote: »
    And what about the places that don't require you to sign?

    Wait you purchased something at a restaurant using a visa credit card or debit card?

    Either way you should have to sign a receipt. Unless the restaurant offers punching in your pin number at the table or checkout or whatever you should've signed something.

    Some fast food places will only have you sign receipts over a certain dollar amount because below whatever threshold they decide would cost more to research and dispute than it would to just eat the loss. Doesn't sound like this would apply to the opening post's situation though.

    MushroomStick on
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    Iceman.USAFIceman.USAF Major East CoastRegistered User regular
    edited August 2008
    This happened to me once. Apparently its not uncommon for the wait staff to mistakenly charge your card with someone elses bill. I would call the restaurant, explain the situation, show the receipt (if you have it) and ask to see their records of what you signed. The place that it happened to me at was a fairly upscale place which I had been having a few drinks at with friends, and I got charged like $50 (and I spent about $15). So yeah, it happens. Just be nice, ask to speak to the manager on duty and then the financial person if they don't understand what you're saying.

    Iceman.USAF on
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