People would normally call out fraud if that were the case, but it's certainly possible that it's something the bank isn't aware of yet so their systems did not

People would normally call out fraud if that were the case, but it's certainly possible that it's something the bank isn't aware of yet so their systems did not catch. In general I just assumed he meant things like "signed up for that trial and forgot to cancel", "accidentally got charged twice", "tip amount was clearly wrong"... Innocent things that happen from time to time, but clearly need to be resolved.