Two charges look the same. Build a clean record before you follow up.
A pending authorization and a completed charge can look similar, so confirm the dates, statuses, amounts, and purchase record before describing them as duplicates.
Step-by-step checklist
- Record both entries.
Note each date, amount, merchant description, and whether the entry is pending or completed. - Compare the purchase record.
Check whether there were separate orders, tips, deposits, split shipments, or adjustments that explain the amounts. - Wait for pending entries to settle when appropriate.
Do not claim a duplicate solely because a temporary authorization is still visible. - Ask the merchant for a transaction review.
Provide the supported dates and amounts, and request an explanation or correction in writing. - Document the answer.
Save the ticket number, correction promise, and follow-up date. You decide whether official card-issuer information applies next.
Evidence that commonly helps
- Receipt, invoice, or order history
- Redacted transaction images showing both dates, amounts, and statuses
- Merchant chat or email
- Correction or refund confirmation
- Ticket or reference number
Official consumer guidance
The FTC publishes current information about using credit cards and disputing charges. For consumer financial products and services, review the CFPB complaint process.
Links verified July 29, 2026. Deadlines can depend on the account and issue. Resolve does not invent a deadline or submit a dispute.