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Q: I just noticed that I have been overcharged twice by the same store. Does this count as credit card fraud and should I report this?
A: Not usually.
Legally, fraud must include the intent to deceive others.
Usually when you are overcharged, it is just a simple error.
The first thing to do in these situations is to call the company that overcharged you. Often, when you explain the error, they will be happy to fix it. This can save both you and them a lot of trouble.
Another thing to keep in mind is that sometimes a company will preauthorize a certain amount and will later modify the amount. This may happen at a restaurant to ensure that you have enough money in your account to cover the tip, or when booking a hotel room to ensure that you can cover any room service or damages to the hotel room.
If the amount is still pending, wait a few days to see if the final amount is correct.
If the amount is no longer pending and the company refuses to correct the error, this is when you should call your credit card company.
If you are certain the company is trying to rip you off (for example, they have done this before to other people), you may also want to file a police report.
Call your local police department’s non-emergency number or go in person, and obtain a copy for your records.