# Triple charged on bank cards **URL:** \ **Category:** Uncategorized\ **Created:** [July 30, 2025, 9:08pm UTC](https://community.clark.com/t/triple-charged-on-bank-cards/8054 "2025-07-30T21:08:50Z")\ **Posts on this page:** 5\ **Page:** 1
**Author:** ![Rick\_Hardin](https://sea2.discourse-cdn.com/flex016/user_avatar/community.clark.com/rick_hardin/32/4054_2.png) [@Rick\_Hardin](https://community.clark.com/u/Rick_Hardin)\ **Post date:** [July 30, 2025, 9:08pm UTC](https://community.clark.com/t/triple-charged-on-bank-cards/8054/1 "2025-07-30T21:08:50Z")
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 ---
**Author:** ![Nicki54](https://avatars.discourse-cdn.com/v4/letter/n/e274bd/32.png) [@Nicki54](https://community.clark.com/u/Nicki54)\ **Post date:** [July 30, 2025, 9:25pm UTC](https://community.clark.com/t/triple-charged-on-bank-cards/8054/2 "2025-07-30T21:25:40Z")
None of the charges were listed as pending? ---
**Author:** ![Rick\_Hardin](https://sea2.discourse-cdn.com/flex016/user_avatar/community.clark.com/rick_hardin/32/4054_2.png) [@Rick\_Hardin](https://community.clark.com/u/Rick_Hardin)\ **Post date:** [July 30, 2025, 11:59pm UTC](https://community.clark.com/t/triple-charged-on-bank-cards/8054/3 "2025-07-30T23:59:44Z")
No they have posted on both cards ---
**Author:** ![RasputinII](https://sea2.discourse-cdn.com/flex016/user_avatar/community.clark.com/rasputinii/32/334_2.png) [@RasputinII](https://community.clark.com/u/RasputinII)\ **Post date:** [July 31, 2025, 2:41am UTC](https://community.clark.com/t/triple-charged-on-bank-cards/8054/4 "2025-07-31T02:41:52Z")
> [@Rick\_Hardin](#): > > 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. 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: 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. 📌 **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](https://www.marriott.com/help/contact-us.mi) 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)” ---
**Author:** ![Rick\_Hardin](https://sea2.discourse-cdn.com/flex016/user_avatar/community.clark.com/rick_hardin/32/4054_2.png) [@Rick\_Hardin](https://community.clark.com/u/Rick_Hardin)\ **Post date:** [July 31, 2025, 3:44pm UTC](https://community.clark.com/t/triple-charged-on-bank-cards/8054/5 "2025-07-31T15:44:31Z")
Much appreciated. Thank you so much. I’m on it!