Duplicate charge
"The same transaction was processed more than once, resulting in a duplicate charge on my account."
What's happening here
The exact same transaction was processed twice — often due to a technical error, a cashier running your card twice, or a system glitch at the point of sale. You should have two identical line items on your statement for the same amount, merchant, and approximate date.
Evidence to gather before disputing
Banks require documentation before they'll investigate. Collect these before you file:
- 01Statement showing both duplicate charges
- 02Original receipt or order confirmation
- 03Dates and amounts of each charge
Dispute reason codes
These Visa/Mastercard chargeback reason codes apply to this scenario. Your bank handles the coding — this is for reference.
Time sensitivity
Most banks give you 60 days from the statement date. Don't wait until the last week — gather evidence now and file within the next few days.
Ready to dispute?
Generate a letter for this exact scenario, pre-filled with bank-specific details.