Bizarre CC transaction error
Nov 18, 2014, 9:42 pm
#1
Original Poster
Join Date: Aug 2014
Posts: 239
Bizarre CC transaction error
I have been disputing a CC transaction error on my United MPE card for the last few months, and it's taken a bit of a bizarre turn. Right after a trip, I matched up bar receipts, and noticed a $32.00 charge I don't recognize and can't find a receipt for. No biggie, I call United customer service, and they happily put a hold on the amount to investigate it.
After a few months of letters letting me know about the progress of the investigation, I receive a letter today that says that they have finished the investigation of the $32.00 dispute, and they consider the dispute resolved because my credit card was not reported as lost or stolen.
So, they attached a copy of the sales slip, and I immediately notice a few things that are very wrong with it:
- Card type: Master Card (all of my Chase cards are Visas)
- Acct #: XXXXXXXXX???? (four numbers that don't match with any of my cards, Chase or otherwise)
What happened? (1) I have no idea why the Dispute department missed these details, and (2) How did someone else's card charges end up on my account?
I just called the Fraud Department, but they were no help. I will call back to get the Dispute Dept. tomorrow when it's open.
After a few months of letters letting me know about the progress of the investigation, I receive a letter today that says that they have finished the investigation of the $32.00 dispute, and they consider the dispute resolved because my credit card was not reported as lost or stolen.
So, they attached a copy of the sales slip, and I immediately notice a few things that are very wrong with it:
- Card type: Master Card (all of my Chase cards are Visas)
- Acct #: XXXXXXXXX???? (four numbers that don't match with any of my cards, Chase or otherwise)
What happened? (1) I have no idea why the Dispute department missed these details, and (2) How did someone else's card charges end up on my account?
I just called the Fraud Department, but they were no help. I will call back to get the Dispute Dept. tomorrow when it's open.
Nov 18, 2014, 10:01 pm
#2
Join Date: Apr 2014
Posts: 276
I have been disputing a CC transaction error on my United MPE card for the last few months, and it's taken a bit of a bizarre turn. Right after a trip, I matched up bar receipts, and noticed a $32.00 charge I don't recognize and can't find a receipt for. No biggie, I call United customer service, and they happily put a hold on the amount to investigate it.
After a few months of letters letting me know about the progress of the investigation, I receive a letter today that says that they have finished the investigation of the $32.00 dispute, and they consider the dispute resolved because my credit card was not reported as lost or stolen.
So, they attached a copy of the sales slip, and I immediately notice a few things that are very wrong with it:
- Card type: Master Card (all of my Chase cards are Visas)
- Acct #: XXXXXXXXX???? (four numbers that don't match with any of my cards, Chase or otherwise)
What happened? (1) I have no idea why the Dispute department missed these details, and (2) How did someone else's card charges end up on my account?
I just called the Fraud Department, but they were no help. I will call back to get the Dispute Dept. tomorrow when it's open.
After a few months of letters letting me know about the progress of the investigation, I receive a letter today that says that they have finished the investigation of the $32.00 dispute, and they consider the dispute resolved because my credit card was not reported as lost or stolen.
So, they attached a copy of the sales slip, and I immediately notice a few things that are very wrong with it:
- Card type: Master Card (all of my Chase cards are Visas)
- Acct #: XXXXXXXXX???? (four numbers that don't match with any of my cards, Chase or otherwise)
What happened? (1) I have no idea why the Dispute department missed these details, and (2) How did someone else's card charges end up on my account?
I just called the Fraud Department, but they were no help. I will call back to get the Dispute Dept. tomorrow when it's open.
Nov 19, 2014, 9:12 am
#3
Original Poster
Join Date: Aug 2014
Posts: 239
Chase probably used whatever receipt submitted by the merchant to settle the dispute. Can't really tell if there are actual people reviewing these disputes. Sometimes if you don't report your card as lost or stolen, and there is only 1 or 2 disputes with small amount then they might just consider as an oversight by you. Meaning you probably used the card, but just forgot about it.
I guess I'll try to clarify today during my call to the Dispute department.
Nov 20, 2014, 10:03 pm
#4
FlyerTalk Evangelist
Join Date: Jul 2003
Location: Florida
Posts: 29,760
I were you I would send an SM, with the attachment of the Chase letter and the receipt copy to make them aware what a blatant oversight one of their employees has made. I would use stern language as well.
Calling as you will, but that does not give you written support on this stupidity from Chase.
Only written dispute can be upheld and has legal right.