How to Handle Duplicate Credit and Debit Card Charges

January 4, 2018, Written By John H. Oldshue

Yesterday, Capital One received several reports about duplicate transactions on debit cards they issued. The bank had “all hands on deck” to resolve the matter, and announced on Twitter today that all balances should now be accurate.

If you face a similar situation in the future, there are a few steps to take to dispute duplicate credit and debit card charges:

  1. Contact your card provider to alert them of the duplicate charge. They can usually process a refund for you or contact the merchant to file a claim on your behalf. If the charges are from suspicious activity, the bank can freeze your account or cancel your card so you do not receive any extra charges.
  2. Contact the merchant or billing company that created the second charge. You should do this regardless of whether your credit card provider is issuing a refund. If the card company is processing the refund, the merchant may help the transaction move faster. If the card issuer is not processing a refund, the merchant should be able to do so on their end. Either way, the merchant will be alerted of the problem in case a similar situation occurs in the future.
  3. Confirm that the refund processes to your account within the time frame provided to you by the card issuer or merchant. If it does not go through, you will need to contact the bank or business again.
  4. Monitor your account for other unauthorized transactions. If you see any suspicious activity, alert your card provider right away.
  5. Cancel your card or get a new account number if necessary. If it was just a billing error, you should not need new account information.

Some duplicate card charges can be reversed right away, while others require a few business days to process. This will depend on how the bank issuing the card communicates with the business that created the repeat transaction. If you do not receive a refund within the time quoted, contact the bank to check on the status of the reversal.



The information contained within this article was accurate as of January 4, 2018. For up-to-date
information on any of the terms, cards or offers mentioned above, visit the issuer's website.


About John H. Oldshue

John Oldshue is the creator of LowCards.com. He worked for over 15 years in television and won an Emmy award for his reporting. He covers credit card rate issues for LowCards.com.
View all posts by John H. Oldshue