Hello I recently went traveling overseas. A restaurant I ate at massively overcharged me from what I signed on the receipt. I tried to dispute the charge with chase, I uploaded their form with my explanation.

I didn't notice this but they sent a message to my online account stating they never received my dispute form. A couple days later they closed the dispute and sided with the merchant.

I called their disputes department because I was 100% sure I uploaded their form. The phone representative was able to locate my form and apologized to me. However she told me she was unable to proceed as the dispute should have never been opened in the first place. She told me I need to have a copy of my receipt in order to dispute the charge otherwise its my word against their word.

Could anybody please help me with some guidance or advice? The restaurant never even offered my a copy of the receipt.

Thank you

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93195 t1_iuah41w wrote on October 29, 2022 at 8:43 PM

What is “massively overcharged”? Is it even credible as a meal charge? Could it be a currency issue (bill was in pounds, etc).

Mountain_Emotion_978 OP t1_iub3igi wrote on October 29, 2022 at 11:33 PM

The bill that was given to me was for about 150 Jordanian Dinars. My credit card statement it showed up about 390 USD. I gave them a cash tip, I normally cross out the tip section when I tip cash. Chase will not let me dispute it without a copy of the receipt which is strange because I have been able to dispute things in the past without a receipt.

93195 t1_iub4mcp wrote on October 29, 2022 at 11:42 PM

150 Dinars is $212 USD at today’s rates.

Possible the rate was a little worse then, throw in a crappy exchange rate with a credit card, maybe some foreign transaction fees, maybe a 10% service charge, something close to $300 USD is plausible. But yeah, even those things wouldn’t account for $390.

Mountain_Emotion_978 OP t1_iub6i7y wrote on October 29, 2022 at 11:57 PM

Jordanian Dinars are directly tied to the US dollar, it's a fixed exchange rate has always been about 1.4 dollars per dinar.

jellicle t1_iuan5jc wrote on October 29, 2022 at 9:27 PM

The burden of proof is on the establishment to prove the charge is legitimate. They will need to provide a signed receipt (or that you used your PIN, or something like that). Chase shouldn't be blocking any dispute based on YOU not providing evidence.

You can complain to the CFPB.

[deleted] t1_iuahgck wrote on October 29, 2022 at 8:46 PM

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Logger351 t1_iub93se wrote on October 30, 2022 at 12:18 AM

Not sure it works like that. People claim that on my company all the time and we have to provide a signed receipt copy.

foo_trician t1_iuai0ga wrote on October 29, 2022 at 8:49 PM

overcharged by like 20% or 200%? .lady at chase just told you the rules. just because you dispute, doesn't mean you always win or are right.

harrisc42 t1_iualzxs wrote on October 29, 2022 at 9:18 PM

You should not expect your CC to side with you if you cannot offer evidence of the thing you're disputing.

theoriginalharbinger t1_iuaj4gc wrote on October 29, 2022 at 8:57 PM

What was the bill, how much were you charged, and do you have a menu or something similar thst you can point to to indicate how massive the overcharging was?

Aolflashback t1_iuchmol wrote on October 30, 2022 at 7:53 AM

International chargeback laws may be different than regular US, however I could be wrong. You’ll need to review chargeback rules and regs for your card type (visa, Mastercard, etc) to see if they differ from US.

For instance, in the US merchants are supposed to keep records of all receipts for a certain period of time, and definitely atleast six months (though from what I remember it’s three years). Generally, your bank would process a retrieval request which is a request to the merchant for them to supply their copy of the receipt, which should be signed by you, assuming it was you using your card at the restaurant. Theres more on signatures on receipts and all that, but no reason to get into it.

Once they get the receipt to research, you get a copy as well. This allows you both to get info that could either initiate a chargeback or not, depending on what the receipt tells you. You’d be surprised how much info you can get just from a receipt. Even the hand writing can give you clues.

Since this was an over seas transactions I’m not sure if a retrieval request is possible, again I dunno if the laws are different. Call your bank again, speak to a manager that would know this.

[deleted] t1_iuanrm6 wrote on October 29, 2022 at 9:31 PM

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visitor987 t1_iubtyzf wrote on October 30, 2022 at 3:14 AM

Under an old US law YOU MUST FOLLOW UP with a letter sent by US mail (certified is best) to bank/cu or the bank may choose to disregard the email/call. Include the name of the bank employee/ date of call you spoke to and a line that says certified number _________ in the letter and write the number on it. Save the certified mail number for your records.

Also file a complaint with the CFPB https://www.consumerfinance.gov/

ClydePincusp t1_iudkfxa wrote on October 30, 2022 at 2:57 PM

Why work with a major bank? Credit unions work for depositors. Banks work for shareholders sunning in Palm Beach. If you used a Chase card for the 2%, how's that going?

rickPSnow t1_iuamprx wrote on October 29, 2022 at 9:23 PM

Self inflicted pain. Without a receipt you have no basis to prove a charge back.

Now that you have learned a valuable life lesson don’t make the mistake again. Keep your receipts until you reconcile against the statement.