We ate at the Red Lobster to the amount of $52.95. That is what it says on our receipt.
The charge on our credit card statement says $97.90.

If I hadn't been in the habit of checking off each item on my monthly statements to match each receipt, I would never have caught this error.  It can easily happen to you if you blithely pay your bill without examining each charge.  Thinking, "Oh yes, I ate there," without verifying the amount, can lead to the same omission.

Once catching the error, I called my credit card company and sent a follow-up letter to put the item into dispute.  I also made a trip to Red Lobster to get them to refund the difference. Now I’ll have to keep watch online to see when the credit appears on my charge card.

Banks make mistakes too, erroneously charging you for things like checks that should be free with your account, or deposits with the decimal point in the wrong place.

So examine your monthly statements item by item and make sure they’re correct.  Keep all receipts, both as backup proof of the amount you paid as well as documentation for the IRS if it’s a tax deductible purchase.  Consistent record keeping is your best defense.