CSP charge dispute

[Jaylima91]

Hello everyone. First off, feel free to move this to the right thread because I don't know where it belongs.

Let me explain the problem. Earlier last month my wife went to a friends birthday party with all her friends and usually she isn't a drinker. She drank too much and doesn't remember what she drank. The bill came out to over $300 and I requested a copy of the receipt through chase. Finally today I receive it and go over the receipt and I noticed that it's too many drinks that she couldn't possibly drink without having very serious injuries. The signature on the receipt isn't even her signature. Now, the question is has anyone had any good results disputing partial charged with chase and how did it go? I don't know if I have a shot at disputing this. It's not about the money it's more personal issue than anything.

[AvadaKedavra]

Yikes. I mean if she didn't sign it wouldn't that be fraud/unauthorized charges?

[CreditCuriosity]

I would probably pick a different battle as she or you had some of the drinks.. Will be a tough one..Can deffinetly dispute and see if the merchant refunds

[longtimelurker]

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@Jaylima91 wrote:
Hello everyone. First off, feel free to move this to the right thread because I don't know where it belongs.

Let me explain the problem. Earlier last month my wife went to a friends birthday party with all her friends and usually she isn't a drinker. She drank too much and doesn't remember what she drank. The bill came out to over $300 and I requested a copy of the receipt through chase. Finally today I receive it and go over the receipt and I noticed that it's too many drinks that she couldn't possibly drink without having very serious injuries. The signature on the receipt isn't even her signature. Now, the question is has anyone had any good results disputing partial charged with chase and how did it go? I don't know if I have a shot at disputing this. It's not about the money it's more personal issue than anything.

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As you were writing this, didn't you think "Oh, pretty weak case!"?   Your wife cannot say what she actually bought, which makes it hard to say the receipt is in error.   She could have ordered drinks that she didn't finish or shared with others, so "too much" isn't a good argument either.

[Jaylima91]

No LTL. As I was writing this i was seeking opinions. Nothing more. This is why I was asking as I know that "too much" isn't a reason to dispute or at least doesn't uphold a strong enough case. Thank you for your opinion

[Jaylima91]

Maybe I'm leaning more towards the signature. It wasn't her signature but I did tell chase she was indeed at that club that night

[yfan]

I don't think this goes anywhere. She was there, she had drinks, and it seems that she indeed swiped the card. That you say she had too many drinks - even if exactly how many remains unclear -  may well mean that she was too intoxicated to sign clearly as well.

[Jaylima91]

Understood. It's a case I may as well just forget about disputing. Thanks everyone for the clarification!

[FinStar]

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@yfan wrote:

I don't think this goes anywhere. She was there, she had drinks, and it seems that she indeed swiped the card. That you say she had too many drinks - even if exactly how many remains unclear -  may well mean that she was too intoxicated to sign clearly as well.

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Agree.  Not much grounds for recourse given the stipulated situation.

[Callandra]

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@FinStar wrote:

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@yfan wrote:

I don't think this goes anywhere. She was there, she had drinks, and it seems that she indeed swiped the card. That you say she had too many drinks - even if exactly how many remains unclear -  may well mean that she was too intoxicated to sign clearly as well.

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Agree.  Not much grounds for recourse given the stipulated situation.

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Yeah, I agree as well. Most likely your wife wound up paying for other people's drinks as well. But if she was really drunk and didn't know what was going on, you might just have to eat the loss.