Triple charged on bank cards

1

I recently went to Iceland and book a 1 night hotel stay at a Marriott. I held the room on a one of my credit cards. It was $1,300.00. Upon checking out I paid for the room on a different credit card. Once I got home, I had a charge on the first card that held the room and two charges on the card that I paid for upon leaving. Total bill combined $3,900.00 for ab1 night stay. Walk me through what I need to do to get this cleared up please.Thanks. Rick

2

None of the charges were listed as pending?

3

No they have posted on both cards

4

From ChatGPT:

“That’s a significant overcharge, and you’ll want to address it as soon as possible. Here’s a step-by-step guide to resolve the issue efficiently:

Step 1: Gather Your Documentation

Collect everything related to your stay and payment:

  • Reservation confirmation email from Marriott (including room rate and dates)

  • Final folio/receipt received at checkout (should show what card was charged)

  • Credit card statements showing the $1,300 charge on Card A and two additional charges on Card B

  • Any emails or messages exchanged with the hotel

  • A timeline of events (check-in, check-out, card used at checkout)

Step 2: Contact the Hotel Directly

  1. Call the hotel (not Marriott’s general number) and ask to speak to the front desk manager or accounting department.

  2. Calmly explain the situation:

    • You held the room with Card A.

    • Paid for the stay with Card B.

    • Now you’ve been charged three times (once on Card A and twice on Card B).

  3. Ask for a corrected folio and reversal of the erroneous charges.

  4. Request a written response or email follow-up confirming what they will do.

:pushpin: Tip: If you don’t get anywhere on the phone, follow up with an email to the hotel and CC Marriott corporate customer service.

Step 3: File Disputes with Your Credit Card Companies

If the hotel does not promptly resolve it, do not wait too long to involve your card issuers.

Card A (where the $1,300 hold became a charge):

  • Contact the card issuer and dispute the $1,300 as a duplicate or unauthorized charge.

  • Mention that you paid with another card at checkout and have the receipt to prove it.

Card B (two charges instead of one):

  • Dispute one of the charges as a duplicate.

  • Provide documentation showing only one night stay and one expected charge.

Each card issuer will investigate, usually within 30–90 days, and issue a provisional credit while they review.

Step 4: Follow Up and Monitor

  • Stay in contact with both the hotel and card companies.

  • Ask the hotel for written confirmation when they reverse any charges.

  • Check your accounts regularly to ensure the credits post.

Optional Step 5: Contact Marriott Corporate (if needed)

If the hotel is not cooperative:

  • Call Marriott Customer Care: +1-800-535-4028 (or find the local number)

  • File a complaint via their website contact form

Provide:

  • Reservation number

  • Dates of stay

  • Description of the overcharge

  • Screenshots of card statements and receipt”

Suggested dispute letter from ChatGPT:

“[Your Name]
[Your Address]
[City, State ZIP Code]
[Email Address]
[Phone Number]

[Date]

Billing Dispute Department
[Credit Card Company Name]
[Address listed on the back of your credit card statement]

Re: Dispute of Erroneous Charge – Marriott Hotel Stay in Iceland
Account Number: [Your Full Credit Card Number or Last 4 Digits]

To Whom It May Concern,

I am writing to formally dispute an inaccurate charge on my credit card account in accordance with the Fair Credit Billing Act. The disputed transaction is as follows:

  • Merchant: Marriott (Hotel in Iceland)

  • Transaction Date: [Date]

  • Amount: $[Amount you’re disputing]

  • Reference Number (if available): [From your statement]

I visited Iceland recently and booked a one-night hotel stay at a Marriott property. I used this credit card (Card A) only to hold the reservation, but upon checkout, I paid the full amount ($1,300.00) using a different credit card (Card B). Despite this, I later discovered that the full charge was also applied to this card, resulting in a duplicate billing.

In addition, I discovered two charges were made on the card I used at checkout (Card B), leading to a total combined charge of $3,900.00 for a one-night stay that was originally booked for approximately $1,300.00. I have attached a copy of the final hotel receipt which clearly indicates that I paid at checkout using Card B.

Given that the charge to this account is either:

  • A duplicate,

  • A billing error, or

  • A charge applied to the wrong card,

I request that the amount be reversed or credited back to my account immediately.

Attached are the following supporting documents:

  • Final hotel folio showing payment at checkout

  • Screenshots of both credit card statements showing the multiple charges

  • Copy of the original reservation confirmation

Please investigate this matter and respond in writing to confirm the outcome of your investigation. I understand that under the Fair Credit Billing Act, I am not obligated to pay the disputed amount while it is under review.

Sincerely,
[Your Name]

Attach:

  • Final folio (hotel bill)

  • Both credit card statements (with the disputed charges highlighted)

  • Your reservation confirmation (if helpful)”

5

Much appreciated. Thank you so much. I’m on it!