I Got A Double Charge On A Debit Card – What Do I Do?

Article Summary

Double charges are duplications of payments that come out of your debit card, which links directly to your checking account. This may be caused by simple human error or because of a banking issue. If your transaction history shows two purchases for the same amount on the same day, you likely have a double charge on your card. Call your bank or the merchant to rectify the error.

Debit cards function similarly to cash and can be used in place of checks. They are used millions of times every day. They make it simple and quick to spend or withdraw money: Simply swipe your card, enter your PIN, and you’re done. Unlike writing a check or paying cash, the disadvantage of using a debit card is the possibility of being charged twice for the same transaction. Fortunately, this type of error is usually simple to correct.

If you face the same challenge, you don’t have to worry. In this article, we discuss the steps to take when your debit card is charged twice.

What can you do to fix and avoid double charges?

Many double charges are complete accidents, like if a cashier entered the incorrect amount in a purchase and then corrected it. There are also times when your bank or credit union is at fault, or a system error causes two charges to withdraw instead of one. These are easy to fix, but it’s always a good idea to keep an eye on your purchases and transaction history. Follow the steps below for more best practices to avoid double charges.

Make a Record of Your Transactions

When using a debit card to shop, it’s easy to lose track of your purchases. Unlike a credit card, your debit card funds link directly to your checking account. As a result, keeping track of your debit alerts in a paper ledger or an online checking account application is important.

Check Your Bank Statement

In recent times, internet banking has been used by most people to check the status of their accounts. When you look at your bank statement and notice that your debit card was charged twice for the same amount on the same date, you know something isn’t right. If you can locate your original receipt, keep it as proof of the transaction. Then, call the business and request to talk with the management. You can also call the customer support number and ask to speak with a supervisor if the transaction was completed online.

Contact Your Bank

The majority of duplicate debit card charges are readily reversed and cause little harm. However, having a transaction debited twice from your account can occasionally result in your account going into the negative, triggering overdraft fines. Explain the situation to the bank and request a refund of the fees if this occurs. If it doesn’t, ask the merchant to cover the fees because the overdraft was caused by their error.

If the bank discovers that the transaction was incorrect, it must repair the issue within one business day, according to the Electronic Funds Transfer Act. The bank must notify you of its conclusion in the space of three business days. If it concludes that no error occurred, it must notify you in writing.

You must notify the bank within 60 days after getting your statement. This is a statement issued by the Electronic Funds Transfer Act or Regulation E. While several banks allow you to contact them by phone or online, you must provide a written notification to safeguard your legal rights. Many banks supply a form for these disputes, but you can also write a letter stating the date and amount of the disputed charge.

Here is a sample letter you can use to dispute double charges on a debit or credit card that was published by the Federal Trade Commission.

Sample letter for disputing credit or debit card charges

Use this sample letter to help you write your dispute letter.

[Date]

[Your Name]

[Your Address, City, State, Zip Code]

[Name of Credit or Debit Card Company]

Attn: Billing Inquiries

[Address, City, State, Zip Code]

Re: Notice of disputed charge to Account No. [Your account number]

Dear [Contact Person or Billing Inquiries Division]:

I am writing to dispute a double charge of [$______] to my [credit or debit card] account on 2021. The charge is in error because [explain the problem briefly. For example, I was charged twice for the same purchase, I was overcharged, I returned the items, I did not buy the items, etc.].

[Add any additional explanation that may be helpful. For example, “I ordered the items on2021. The seller promised to deliver the items to me on 2021, but I never received my order.”]

I am requesting that the error be corrected, that any finance or other charges related to the disputed amount be credited to my account, and that I get an accurate statement.

Enclosed are copies of [describe any enclosed information, like sales slips, payment records, or documentation of shipment or delivery dates] supporting my position and experience. Please correct the error on my account promptly.

Sincerely,

[Your name]

Enclosures: [List the documents you are enclosing. Send copies, not the originals.]

To establish that you alerted the bank on time, send your written notification to the bank by certified mail with a return receipt requested.

Be Vigilant

Continue to keep an eye on your account. If the refund from the duplicate charge has not appeared in your account after the required length of time passes, contact a customer care representative at your banking institution. They can look into the problem on their end. They may ask you to go to a branch and fill out a charge dispute form.

Key Takeaways

  • You may be charged twice for a transaction because of a human or system error.
  • Keep a close eye on your debit card transaction history if you suspect you’ve been double charged.
  • Double charges are easy to resolve, but they may also result in overdraft issues and fees.
  • If your account incurs overdraft fees because you were double charged, contact your bank and the merchant to clear up the issue.

Frequently asked questions

Below are answers to some frequently asked questions related to double charges and debit cards.

Why have I been charged twice on my debit card?

Due to an error in the order processing, a card may be charged twice for the same order. This usually happens in rare cases. When it happens, you should notice the same charge (not pre-authorization or pending) in your credit card or bank account twice for the same order number.

Do banks charge you twice?

Banks don’t charge you twice. But if this happens, it’s a billing error. To correct the situation and avoid losing money, you must contact the bank that issued the card.

Why was I charged twice for a purchase?

Your financial institution is likely to hold off on delivering the canceled authorization, resulting in the appearance of a double charge. This is most likely the source of your account’s apparent double-charge.

What Is a ghost payment?

Ghost payment usually occurs when only one payment is taken but the record shows that a different payment is likely to come out. But doesn’t in the long run.

Article Sources
  1. 10 Things You Didn’t Know About Using Debit Cards – SuperMoney
  2. Sample Letter for Disputing Credit and Debit Card Charges – Federal Trade Commission
  3. How To Find My Debit Card Number Online – SuperMoney
  4. What Are the Advantages of a Debit Card? – SuperMoney