Checking or savings account -- Problem with a lender or other company charging your account -- Complaint #17961795
Complaint Overview
Complaint ID: 17961795
Company: Charles Schwab Corporation, The
Product: Checking or savings account
Sub-Product: Checking account
Issue: Problem with a lender or other company charging your account
Sub-Issue: Transaction was not authorized
State: Mississippi
ZIP Code: 393XX
Date Received: 2025-11-28T12:00:00-05:00
Date Sent to Company: 2025-11-28T12:00:00-05:00
Company Response: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Submitted Via: Web
Consumer Narrative
I am disputing unauthorized duplicate hotel charges from extended stay XXXX, and my bank mishandled my dispute after initially refunding me. The bank, XXXX checking later reversed the refund even though the evidence clearly shows the charges were not authorized. Here is the timeline : XX/XX/XXXX : I prepaid {$680.00} for a 7-day hotel reservation through XXXX. This payment covered the entire stay. XX/XX/XXXX : When I arrived at the hotel to check in, the front desk told me I needed to pay {$35.00} for weekly WiFi. I agreed to pay {$35.00} only. Instead of charging {$35.00}, the hotel charged my card a second {$680.00}, which is the exact same amount as the prepaid booking. This is duplicate billing for the same reservation. I did not authorize another room charge. The room was already fully paid for on XX/XX/XXXX. Why this is unauthorized : The only amount I agreed to on XX/XX/XXXX was the {$35.00} WiFi fee. The additional {$680.00} charge was never approved, never disclosed, and is a duplicate of my original payment. This fits the legal definition of an unauthorized transaction, because I did not knowingly approve the additional charge and did not receive any additional goods or services beyond the reservation I had already prepaid. How my bank mishandled the dispute : I disputed the unauthorized charge. My bank refunded me initially. Later, the bank reversed the refund and closed the case, even though the hotel charged me for the same room twice. My bank did not consider the XXXX prepaid receipt dated XX/XX/XXXX, which proves the hotel was not authorized to charge me again on XX/XX/XXXX. I am requesting the CFPBs assistance in having the bank : XXXX. Reopen the dispute XXXX Review the full evidence, including the XXXX payment XXXX. Correct the unauthorized second room charge XXXX. Provide a written explanation of the banks previous handling I am simply asking for a fair investigation based on the documented timeline and the fact that the second charge was never authorized. Thank you.
Frequently Asked Questions
What is Complaint #17961795 about?
Complaint #17961795 was filed against Charles Schwab Corporation, The regarding Checking or savings account specifically about Problem with a lender or other company charging your account. It was received by the CFPB on 2025-11-28T12:00:00-05:00.
How did Charles Schwab Corporation, The respond to this complaint?
The company responded with: "Closed with explanation". The response was timely.
What is the risk level of this complaint?
See the risk assessment section for details on this complaint's risk profile.
How do I file a similar complaint?
You can file a complaint with the CFPB at consumerfinance.gov/complaint. Select the appropriate product category (Checking or savings account) and describe your issue in detail.
Can I see other complaints against Charles Schwab Corporation, The?
Yes, visit the Charles Schwab Corporation, The company profile at readthecomplaint.com/company/charles-schwab-corporation-the to see all complaints, risk scores, and analysis.
Disclaimer
This analysis is AI-generated based on publicly available CFPB complaint data. It does not constitute financial or legal advice.