#BarTabDispute #ChargedWrongTab #HelpNeeded
Hey there! 😊 Dealing with a situation where you got charged for someone else’s bar tab can be frustrating, but don’t worry, we’ve got you covered! 🍻
What to do next:
1. Stay Calm and Gather Evidence
If you have a receipt or any proof of payment, hold onto it as it may be useful in resolving the issue.
2. Contact the Establishment
Reach out to the bar or restaurant where the incident occurred and explain the situation calmly. Provide them with the details of the charge and see if they can help rectify the error.
3. Dispute the Charge with Your Bank
If the establishment is unable to resolve the issue, contact your bank or credit card company. They may be able to assist you in disputing the charge and recovering your money.
4. Leave a Review
If you’re still dissatisfied with how the situation was handled, consider leaving a review detailing your experience. This can bring attention to the issue and potentially prevent it from happening to others.
5. Seek Legal Advice
In extreme cases where the dispute is not resolved through other means, you may want to consider seeking legal advice. An attorney can help you understand your rights and options for pursuing further action.
Remember, mistakes happen, and it’s essential to approach the situation calmly and rationally. By following these steps, you can hopefully resolve the issue and get the incorrect charges reversed. Best of luck! 🌟
File a dispute with Amex and they’ll tell you what to do next.
If you dispute I wonder if Amex will request the signature data.
Which they probably don’t have.
I always take a picture of the signed copy I leave with the merchant.
I use that to dispute, but your own copy should suffice as well.
I would dispute the amount. Nowhere in their terms & conditions given (if they even have this displayed/written on receipt) does it say you’re liable for the full amount if another card in same bill declines. THEY have the burden of pursuing with that person.
Definitely file the complaint with AmEx. In my experience, AmEx has been terrific with disputes. At the outset, you should be able to just lay your side of the story out in a word doc/PDF that you attach to your dispute. If you feel like it, attach a screenshot of your phone logs showing the amount of time you spent talking to the bar.
Did you keep your copy of the receipt you paid with the tip? FWIW always keep receipts for a few days just for stuff like this.
You can file a chargeback with AMEX and list the amount you paid and the tip. The bar should have to show them your receipt with your signature with that amount. Since they cannot it should be reversed.
Also, what state do you live in? You can call the bar back and record the conversation if you aren’t in a 2-party state. Send that to Amex if they admit to what they did.
Total BS for that bar to charge you. They don’t have the right to do that.
I would start by telling the bar that you don’t know that person, they were a friend of a friend and you are not going to be responsible for their tab. They need to restore your bill to what it was. If they refuse to do that then get your credit card company involved. Tell the bar that you’re going to call for a chargeback if they don’t issue you a credit.
Do you have the receipt for the original/correct $70? That’s usually all you need.
Dispute with amex and tell them exactly what the bar told you. An affidavit is the form the bank will have you fill out saying you swear that what you are saying is true. The bar will need to produce a signed receipt that you did in fact consent to being charged that amount (which you stated you did not) and if they fail to do that your card should rule in your favor
You didn’t authorize the charge. File a dispute. AmEx will give you your money back. You don’t have to prove anything, the bar does.
Dispute the charge for fraud. Now they get nothing. And leave a 1 star. Might want to alert the TABC as well (not sure if they would do anything about fraud charges but it couldn’t hurt).
No it’s not legal. The bar is committing theft.
If you want to give them another chance before disputing you can, but if it was me I’d just file a Chargeback. I’m guessing even without receipts your chances are very good you’ll win it. They can’t just add your friends charges to your card
Go to the bar and talk to a manager. Tell they you want the charge reversed or you will be reporting it to the police as credit card fraud.
If they are knowing charging you for things which you did not purchase, then it’s fraud.
Amex will see the original $70 charge that they canceled. Even though it isn’t showing on your account transactions, if they printed a receipt the charge went to a pending status, and was either canceled or modified to the new amount. This should support your case.
They were separate tabs. The bar can’t just charge you for someone else.
What business let’s someone walk away with a declined CC. Also what business processes a CC transaction days later???
Let this be a lesson. Never open a tab at a bar. Especially a busy one.
Work in a bar, not Legal, can only charge you for what you signed.
Call the bar again and ask for a refund and only get charged for you paid for, if they insist, open a dispute with Amex, would be helpful to have the original receipt.
As a bartender I can tell you that this is a big no no. It is called credit card fraud and yes, I would absolutely take this up with AMEX as well as with the bar in question.
I would do a fraud charge with Amex. They can’t charge you for something you didn’t sign for.
That is fraud file a police report on line, this is identify theft. You dont know this person and you did not authorized these charges. Keep it simple. Stop arguing with the bar do not call them any more they commit fraud.
Keep it simple.
Amex will cover you. That’s awful business practices from that bar. They will 100 percent lose the dispute against you if they fight it. They will have no signature of the 207 charge and they had to manually do it after the fact. Don’t feel bad about it either. They are getting what they deserve.
I’m not a bar person but if you do a tab don’t they pre authorize your card and know then if it declines?
Sounds like fraud on the part of the bar
Explain to your CC company and file a chargeback.
They can’t charge you for products / services that you didn’t purchase, and didn’t authorize others to purchase on your card.
That’s some kind of fraud / theft
I’d post about this incident on google maps or something as well. Screw this bar
Bars cannot charge you for a receipt that they don’t have a physical signature on. Dispute it and they won’t be able to produce the documentation for it.
Honestly I would file a police report. Sure it’s a nice story but they fraudulently charged a bunch of money on your card. You really have no idea why. After the police report I would then dispute with Amex.
Amex almost always sides with the cardholder. You will win a chargeback. Just challenge the charge with Amex and you will win. What the bar did was a fraudulent charge.
Amex will definitely be able to help you with this.
You dispute the charge with Amex. A merchant is only permitted to charge you for authorized charges. Presumably, you signed a receipt that reflected The $70 + $20 tip for a total of $90. That’s what you authorized. Period.
You call Amex, explain that you authorized a charge for $90, but the merchant charged you for $207. The rest is a waste of breath. You tell Amex that $90 is all you authorized, but the merchant somehow believes they are entitled to re-open your check and charge your card without authorization.
Amex is generally pretty good about siding with card holders, so you should be fine.
What the bar did was fraud, plain and simple. Dispute the charge and dont go back.
Now they get zero.
You sign receipts for this reason, call Amex, this is not a big deal.
Definitely not legal. Definitely call your card issuer and dispute the charge, as a non-fraud dispute (incorrect amount).
The bar is at fault but I bet you’ll think twice about who tags along in the future!
Definitely dispute. If you have original receipt or any proof of the $70+20 that will help. Maybe even their statement (if in writing) about how they charged you for other people’s drinks when you had already paid for yours. That is definitely being charged for goods or services that were not provided to you.
What little it might help, the bar is lying. I do sales tax for a living. Your original receipt exists as a voided transaction on its point of sales.
I’d contact the manager, and tell them you’re happy to pay your bill if they accept it, but if they are tacking on someone else’s bill, you’ll have the whole thing cancelled through AM Ex. Then contact Amex if they refuse.
File a dispute. You called the business as they would “expect” to attempt to resolve the issue, with no success.
AMEX will see the reversed charge and new charge. They will contact the merchant and the merchant will have no proof you actually consented to this charge since the only thing you would have signed for or used a point of sale terminal to authorize would be the original charge and your money will be returned.
The vendor would have to go further down the fraud hole to try and pin this on you and for a few hundred bucks it’s not worth it. They may request AMEX recharge the original payment which could happen. They might also eat the loss and you get a free night on the bar for their shady business tactics.