Debit card charged incorrect amount issue

Harambe123

Hi All

I’m hoping that somebody can advise here. I was recently abroad and took a metered Taxi which I paid for by contactless card. The taxi driver either accidentally or fraudulently input an amount that was 10 times more than the actual fare (over 200 euros rather than 20). I realised only later when I checked my card statement. 

I raised the issue with the bank for a charge back request however they have instantly rejected the suggestion on the basis that I do not have a receipt. I’m not sure what to do in this situation. I would’ve thought that if a chargeback was issued then the merchant would be able to provide their invoice which they would have a record of. I also have no means of contacting the merchant as it was a hailed cab. I’d really appreciate some advice, thank you in advance.

Nasqueron

Report it as fraud, were you using your phone and does it have tracking to show the journey etc?

Harambe123

So I did initially report it as fraud as I lost my card earlier in the day and the amount was so overinflated I thought it must be related to that and someone had my card. They got back to me to say that as the transaction was made using my phone, there’s no security issue.

I do have tracking on my phone via google timeline which shows the journey was around 10-15 minutes. 

ChargebackCharlie

You’ll get nowhere reporting this as fraud, as you participated in the transaction.

Without a receipt showing a different amount, it is difficult to argue you were charged more than the agreed amount.

i do note that you said it was made contactless for over 200 Euros which I’m sure would be above the limit for a contactless transaction, so did you enter your PIN for this transaction?

Also, as scheme rules differ slightly, was this a Visa or Mastercard used?

Nasqueron

Harambe123 said:

So I did initially report it as fraud as I lost my card earlier in the day and the amount was so overinflated I thought it must be related to that and someone had my card. They got back to me to say that as the transaction was made using my phone, there’s no security issue.

I do have tracking on my phone via google timeline which shows the journey was around 10-15 minutes. 

It's not the security issue, it's fraudulent that the driver charged you 200 instead of 20!

Harambe123

ChargebackCharlie said:

You’ll get nowhere reporting this as fraud, as you participated in the transaction.

Without a receipt showing a different amount, it is difficult to argue you were charged more than the agreed amount.

i do note that you said it was made contactless for over 200 Euros which I’m sure would be above the limit for a contactless transaction, so did you enter your PIN for this transaction?

Also, as scheme rules differ slightly, was this a Visa or Mastercard used?

Sorry when I say contactless, it was made using Apple Pay which has no limit and doesn’t need a pin.

It was with a Mastercard.

Seems like I’m stuck with the charge as no receipt such a short journey and I paid basically double the airline fare!

ChargebackCharlie

Lesson learnt. Check the amount is correct on the display screen before holding your device in front of the terminal.

born_again

Nasqueron said:

Report it as fraud, were you using your phone and does it have tracking to show the journey etc?

Fraud is when a unknown 3rd party uses your details. As far as banks go. 
In this case you could only dispute as OP made the transaction. Which card regulation's require a receipt for the amount expected. Which would have been the 200 euro's anyway. So no chargeback right.
Not sure how length of trip is going to help, OP could have offered a tip 🤷‍♀️Or agreed to the charge (which they did anyway by tapping phone)
A receipt would have given OP chance to point out to driver the error, which they should have done anyway on checking amount on screen.

Only hope for Op is to contact taxi firm & hope they can refund.

Shakin_Steve

Paris, by any chance?

DullGreyGuy

ChargebackCharlie said:

i do note that you said it was made contactless for over 200 Euros which I’m sure would be above the limit for a contactless transaction, so did you enter your PIN for this transaction?

Also, as scheme rules differ slightly, was this a Visa or Mastercard used?

The OP says it was a phone contactless payment not card and so there is no requirement for the card pin irrespective of the amount of the transaction, the phone's biometrics are used instead and with iPhone at least they are used on every transaction so it wouldn't help you to realise its a high value transaction. 

born_again said:
Which card regulation's require a receipt for the amount expected. Which would have been the 200 euro's anyway. So no chargeback right.

Not sure how length of trip is going to help, OP could have offered a tip 🤷‍♀️Or agreed to the charge (which they did anyway by tapping phone)
A receipt would have given OP chance to point out to driver the error, which they should have done anyway on checking amount on screen.

Would be €200 if it was a card receipt, in some countries the receipt comes from the meter or, as in London, they are fairly often hand written and so may have shown what the real price was but its a moot point given the OP states they didnt get a receipt. 

As an aside, find it funny that many London taxi drivers who still do written receipts ask you how much you want them to say it was for (or give it to you blank) if you're dressed in a suit or other business wear assuming you're going to expense it and so add a margin. 

Nasqueron

born_again said:

Nasqueron said:

Report it as fraud, were you using your phone and does it have tracking to show the journey etc?

Fraud is when a unknown 3rd party uses your details. As far as banks go. 
In this case you could only dispute as OP made the transaction. Which card regulation's require a receipt for the amount expected. Which would have been the 200 euro's anyway. So no chargeback right.
Not sure how length of trip is going to help, OP could have offered a tip 🤷‍♀️Or agreed to the charge (which they did anyway by tapping phone)
A receipt would have given OP chance to point out to driver the error, which they should have done anyway on checking amount on screen.

Only hope for Op is to contact taxi firm & hope they can refund.

Call if theft then, arguing semantics is pointless when OP was a victim. The driver fraudulently, or dishonestly (or of course in error) charged 200 instead of 20. Obviously OP should have seen it on the confirmation when they pay (Google Pay pings me the second I pay with what I just paid, I assume Apple does the same) but they didn't. I have seen similar cases e.g. in a money helper newspaper column where a driver refused cash and did the same scam of moving the decimal place.

The reason why the journey length is important is that a 15 minute taxi ride to the airport would cost X, whether it's €20 or €25 say, OP can show they did that journey. The fact it was €200 is obviously nonsense, nobody tips 1000%. It can help with the case at the FOS if OP sends it to them even if they ultimately reject it, it's better than nothing but bank should not just be saying "tough".