Duplicate Charge on a Bill? Build This Proof Packet Before You Ask for a Refund
If you see a duplicate charge on a bill, do not start by calling it fraud or demanding a guaranteed refund. First confirm whether both charges actually posted, whether one is only a pending authorization, whether the dates, amounts, invoice or order numbers, and account credits match, and whether the merchant already corrected one line. Then send the merchant a short refund request with the proof packet. Escalate to the card issuer or payment provider only if the merchant cannot explain or correct the duplicate and your records support the billing-error claim.