Checking an unfamiliar bank charge before filing a dispute | Learn Japanese in English

Japanese lesson set in a contemporary Tokyo everyday setting: At a banking support desk, one adult asks about an unfamiliar statement charge and agrees to check receipts before opening a formal dispute..

EN → JA / Level: B2

About This Lesson

Use Checking an unfamiliar bank charge before filing a dispute to practice Japanese conversation, pronunciation, vocabulary, grammar, and quizzes.

Dialogue

A

明細に身に覚えのない請求があることに気づきました。

may-SIGH ni mi-ni-a-VOE no-NAI say-KYOO ga A-roo ko-to ni kee-zoo-kee-ma-SH-ta. I noticed a charge on my statement that I don't recognize.
B

加盟店の表示を確認してから、異議申し立てを始められます。

ka-MAY-ten no hyoo-JI o ka-KUN-shin-shi-te ka-RA, ee-GEE mo-shi-ta-te o ha-ji-me-RA-re-MAS. We can open a dispute after we check the merchant description.
A

表示が曖昧なので、どこからの請求なのかわかりません。

hyoo-JI ga ay-MAY na-no-de, do-ko-ka-ra no say-KYOO na-no-ka wa-ka-ri-ma-SEN. The description is vague, so I can't tell where it came from.
B

決済処理会社の中には、客が見る店名とは違う名前を使うところがあります。

keh-SIGH sho-REE ka-i-SHA no NA-ka ni-wa, kya-koo ga MI-roo te-NAY to-wa CHI-ga-oo NA-mae o tsu-KOO to-ko-ro ga a-ri-MAS. Some processors use a name that looks different from the shop customers see.
A

正式に異議を申し立てる前に、最近の領収書を確認します。

say-SHIK-i-ni ee-GEE o mo-shi-ta-te-roo ma-E ni, SIGH-kin no ryoo-SHOO-shoh o ka-KUN-shi-MAS. I'll check my recent receipts before filing a formal dispute.
B

その請求に心当たりがあれば、手続きの遅れを防げます。

so-no say-KYOO ni ko-ko-ro-a-ta-RI ga a-RE-ba, teh-tsoo-ZOO-kee no o-KU-re o foo-SEH-ge-MAS. That can prevent delays if you recognize the charge.
A

それでもはっきりしなければ、その取引を調査してほしいです。

so-re-de-mo hak-kee-ri shi-na-ke-re-ba, so-no to-ree-hee-kee o CHOH-sa shi-te ho-SHEE des. If it still isn't clear, I want the transaction investigated.
B

ご心配の内容を記録して、確認を始めます。

go-shin-PAI no nai-YOH o kee-ROK-shi-te, ka-KUN o ha-ji-MAY-MAS. We'll document your concern and start the review.

Word by Word

明細 明細 means the statement or itemized account details in 明細に身に覚えのない請求があることに気づきました。. It identifies the document or account record where the charge appears. A reliable reuse pattern is to refer to a charge or entry as appearing on a statement.
に に marks the statement as the place where the charge exists in 明細に身に覚えのない請求があることに気づきました。. Here it connects the charge with 明細. This use is reusable when saying that something appears in or on a document.
身に覚えのない 身に覚えのない describes something the speaker does not recognize from personal experience, here modifying 請求. In this expression, 身 refers to oneself, に links the idea to the person, 覚え means recollection, and のない means that such recollection is absent. It is useful when carefully describing an unfamiliar charge or event.
請求 請求 means a charge or billing claim in 身に覚えのない請求. It is the amount or billing entry that the speaker is checking. A common reuse point is to discuss a 請求 together with a statement, receipt, or formal dispute.
が が marks 請求 as the thing that exists in 明細に身に覚えのない請求があることに気づきました。. It highlights the charge as the subject of ある. This pattern is useful when stating that a particular item is present.
ある ある says that the unfamiliar charge exists or appears in the statement in 明細に身に覚えのない請求があることに気づきました。. It presents the charge as something found in the statement. The same role is useful when reporting that an item or problem exists in a record.
こと こと turns the preceding fact, 明細に身に覚えのない請求があること, into the thing the speaker noticed. It refers to the fact that an unfamiliar charge exists. This is reusable when a whole event or fact is followed by an expression such as 気づきました.
気づきました 気づきました means noticed or realized in 明細に身に覚えのない請求があることに気づきました。. The polite past form presents the realization as something that has already happened. It is useful when reporting that you noticed a problem in a statement or other record.
加盟店 加盟店 means the merchant or affiliated store connected with the payment in 加盟店の表示を確認してから、異議申し立てを始められます。. It identifies the business whose displayed information is being checked. This word is useful in payment-support conversations about a merchant or store connected to a transaction.
の の links 加盟店 to 表示 in 加盟店の表示を確認してから、異議申し立てを始められます。. It shows that the display or label is associated with the merchant. This reusable pattern connects a person, organization, or thing with the noun that follows.
表示 表示 means the description or label shown for the merchant in 加盟店の表示を確認してから、異議申し立てを始められます。. It is the information the support desk wants the customer to check before starting a dispute. It can be reused for labels or descriptions shown on statements and screens.
を を marks 加盟店の表示 as the object of 確認して in 加盟店の表示を確認してから、異議申し立てを始められます。. It identifies what is checked. This is reusable before an action verb when naming the document, detail, or item being acted on.
確認して 確認して means check and then in 加盟店の表示を確認してから、異議申し立てを始められます。. The form links checking the merchant display to the next action, starting a dispute. It is useful for ordering two actions, with the first action completed before the next one.
から から means after in 確認してから、異議申し立てを始められます。. It says that the dispute can begin only after the merchant display has been checked. This is a reusable way to state that one action comes before another.
異議申し立て 異議申し立て means a formal dispute or objection filing in 異議申し立てを始められます and before filing a formal dispute in 正式に異議を申し立てる前に。. 異議 is the objection, and 申し立て is the act of formally presenting it. It is used here for a bank process concerning a charge that may not be recognized.
始められます 始められます means can start or initiate in 異議申し立てを始められます。. Its form expresses that the dispute process is available to begin after the required check. It is useful when explaining that a procedure can be started under a certain condition.
曖昧 曖昧 means vague or unclear in 表示が曖昧なので、どこからの請求なのかわかりません。. It describes the merchant display as lacking enough detail to identify the charge. This word is useful when information is present but does not clearly identify its meaning.
なので なので means because or so in 表示が曖昧なので、どこからの請求なのかわかりません。. It connects the vague display with the speaker's inability to identify the source of the charge. It is reusable for giving a reason for a conclusion or response.
どこ どこ means where in どこからの請求なのかわかりません。. It asks about the place or source from which the charge came. This is useful when the origin of a transaction or other item is unknown.
なのか なのか forms the embedded question in どこからの請求なのかわかりません: the speaker cannot tell what the charge is from. Here な links the description to the question structure, の marks the embedded matter, and か marks the question. This construction is useful when saying that you do not know or cannot determine an uncertain identification.
わかりません わかりません means do not know or cannot tell in どこからの請求なのかわかりません。. It states that the source of the charge cannot be identified from the available description. It is useful when politely reporting that information is insufficient.
決済処理会社 決済処理会社 means a payment processing company in 決済処理会社の中には、客が見る店名とは違う名前を使うところがあります。. 決済 concerns payment settlement, 処理 means processing, and 会社 means company. The full term is useful when explaining why a payment may appear under a name different from the shop's name.
中 中 means among or within the group in 決済処理会社の中には、客が見る店名とは違う名前を使うところがあります。. It introduces some members of the group of payment processing companies. This use is reusable when selecting examples or exceptions from a larger group.
は は marks the group introduced by 決済処理会社の中には as the topic in 決済処理会社の中には、客が見る店名とは違う名前を使うところがあります。. It frames the statement as information about some payment processors. This pattern is useful when discussing what can occur among members of a group.
客 客 means customer in 客が見る店名とは違う名前を使うところがあります。. It refers to the person who sees the shop name when making or reviewing a purchase. This word is useful when distinguishing customer-facing information from internal payment information.
見る 見る means see or view in 客が見る店名. It describes what the customer sees and modifies 店名 as the shop name visible to the customer. This form is reusable when describing information that a person views.
店名 店名 means the name of the shop in 客が見る店名とは違う名前を使うところがあります。. It is the customer-facing name used for comparison with the processor's name. It is useful when identifying a business by the name displayed to customers.
とは とは marks 店名 as the comparison point in 客が見る店名とは違う名前を使うところがあります。. Together with 違う, it means different from the shop name that customers see; と introduces the comparison and は highlights it. This construction is useful when contrasting one name or item with another.
違う 違う means be different in 店名とは違う名前. It says that the name used by the processor is not the same as the customer-facing shop name. It is useful for explaining mismatches between two displayed names or descriptions.
名前 名前 means name in 店名とは違う名前を使うところがあります。. Here it is the name used by the payment processor, contrasted with the shop name. This word is useful when checking whether two names refer to the same business or transaction.
使う 使う means use in 違う名前を使うところがあります。. It describes the processor using a name that differs from the shop name customers see. This is reusable when explaining which label, name, or method an organization uses.
ところ ところ refers to the entities or companies that use a different name in 違う名前を使うところがあります。. Although it can refer to a place, here it refers to organizations characterized by the action before it. This use is helpful when speaking generally about some entities that follow a certain practice.
あります あります means there are or exist in 違う名前を使うところがあります。. It says that some payment processors of this kind exist. The polite form is useful when explaining that examples or exceptions can be found within a group.
正式 正式 means formal or official in 正式に異議を申し立てる前に、最近の領収書を確認します。. It describes the dispute as an official procedure rather than an informal question. This word is useful when distinguishing an official filing from an earlier check.
異議 異議 means an objection or dispute in 正式に異議を申し立てる前に、最近の領収書を確認します。. It names the objection being formally raised about the transaction. In this context, it is part of the formal process for challenging a charge.
申し立てる 申し立てる means formally file or raise an objection in 正式に異議を申し立てる前に、最近の領収書を確認します。. It describes presenting 異議 through an official process. This form is useful when stating that a formal objection will be made after checking supporting information.
前 前 means before in 異議を申し立てる前に、最近の領収書を確認します。. It places the receipt check earlier than the formal dispute filing. This is a reusable pattern for stating what should happen before an action.
最近 最近 means recent or recently in 最近の領収書. It limits the receipts to those from the near past, which may help identify the charge. This word is useful when referring to records or events from the recent period.
領収書 領収書 means receipt in 最近の領収書を確認します。. It refers to purchase records that can be compared with the unfamiliar charge. This word is useful when checking whether a statement entry matches a documented purchase.
確認します 確認します means will check or confirm in 最近の領収書を確認します。. In this dialogue, it expresses the speaker's planned action of checking recent receipts. It is useful for stating a polite intention to verify information.
その その means that or the mentioned in その請求に心当たりがあれば、手続きの遅れを防げます。. It points back to the charge already being discussed. This is useful when referring to a specific item that has just been mentioned.
心当たり 心当たり means a recollection or basis for recognizing something in その請求に心当たりがあれば、手続きの遅れを防げます。. It asks whether the customer has a personal reason to connect the charge with a purchase. This word is useful when checking whether an unfamiliar item may still be recognized.
あれば あれば means if there is or if you have in その請求に心当たりがあれば、手続きの遅れを防げます。. It makes recognizing the charge the condition for preventing a delay. This conditional form is reusable when a result depends on whether something exists or is available.
手続き 手続き means the procedure or process in 手続きの遅れ. Here it refers to the process of handling the charge or dispute. This word is useful when discussing progress, requirements, or delays in an official process.
遅れ 遅れ means a delay in 手続きの遅れを防げます。. It names the unwanted slowing of the procedure. This form is useful when discussing delays in an administrative or banking process.
防げます 防げます means can prevent in 手続きの遅れを防げます。. It says that recognizing the charge may prevent the procedure from being delayed. This form is useful when explaining that an action can avoid an unwanted result.
それでも それでも means even so or still in それでもはっきりしなければ、その取引を調査してほしいです。. It keeps the next condition in force despite the earlier checking. This word is useful when moving to a further step because uncertainty remains.
はっきり はっきり means clearly or distinctly in それでもはっきりしなければ、その取引を調査してほしいです。. It describes whether the source or identity of the transaction has become clear. This word is useful when information can or cannot be identified without ambiguity.
しなければ しなければ means if it does not become or remain in the condition described by はっきり in それでもはっきりしなければ、その取引を調査してほしいです。. It makes the lack of clarity the condition for requesting an investigation. This negative conditional pattern is useful when a later action depends on something not being resolved.
取引 取引 means transaction in その取引を調査してほしいです。. It refers to the specific payment entry under discussion. This word is useful when asking a bank or support desk to examine a particular financial transaction.
調査して 調査して means investigate and in その取引を調査してほしいです。. It is linked to ほしい to express a request that someone investigate the transaction. This form is useful when connecting an action with a request for another person to carry it out.
ほしい ほしい expresses the speaker's wish that someone investigate in その取引を調査してほしいです。. With 調査して, it forms the request pattern 調査してほしい, meaning that the speaker wants the other party to do the investigation. This is useful for making a direct but polite request for an action.
です です gives the request a polite sentence ending in その取引を調査してほしいです。. It makes the speaker's wish sound suitable for a formal support-desk conversation. It is useful when ending a polite statement about what the speaker wants.
ご心配 ご心配 means your concern or worry in ご心配の内容を記録して、確認を始めます。. The ご prefix makes the reference to the customer's concern polite. This expression is useful when support staff acknowledge and describe a customer's concern respectfully.
内容 内容 means the content or details in ご心配の内容を記録して、確認を始めます。. It refers to the details of the customer's concern that will be documented. This word is useful when recording what a question, complaint, or concern consists of.
記録して 記録して means document and in ご心配の内容を記録して、確認を始めます。. It links documenting the customer's concern with starting the review. This form is useful for describing two actions carried out in sequence.
確認 確認 means checking or review in 確認を始めます。. It names the review that the support desk will begin after recording the concern. This word is useful for formal verification of information, records, or transactions.
始めます 始めます means will start in 確認を始めます。. It states the support desk's planned action of beginning the review. This polite form is useful when promising or announcing the start of a procedure.

Grammar Points

身に覚えのない＋名詞

身に覚えのない請求

mi-ni-a-VOE no-NAI say-KYOO

a charge I don't recognize

「身に覚えのない」は、経験や記憶がないことを表し、後ろの名詞を修飾します。

動詞て形＋動詞

調査して記録して

CHOH-sa shi-te kee-ROK shi-te

investigate and record

て形で動作をつなぎ、複数の行動を順番に表します。

Japanese Vocabulary

異議申し立て noun
ee-GEE mo-shi-ta-te dispute; formal objection

加盟店の表示を確認してから、異議申し立てを始められます。

違う verb
CHI-ga-oo to differ; to be different

決済処理会社の中には、客が見る店名とは違う名前を使うところがあります。

加盟店 noun
ka-MAY-ten merchant

加盟店の表示を確認してから、異議申し立てを始められます。

確認 noun
ka-KUN check; confirmation; review

加盟店の表示を確認してから、異議申し立てを始められます。

気づく verb
kee-ZOO-koo to notice; to realize 気づきました

明細に身に覚えのない請求があることに気づきました。

決済処理会社 noun
keh-SIGH sho-REE ka-i-SHA payment processor

決済処理会社の中には、客が見る店名とは違う名前を使うところがあります。

身に覚えのない adj
mi-ni-a-VOE no-NAI unfamiliar; not recognized

明細に身に覚えのない請求があることに気づきました。

請求 noun
say-KYOO charge; bill

明細に身に覚えのない請求があることに気づきました。

店名 noun
te-NAY shop name; store name

決済処理会社の中には、客が見る店名とは違う名前を使うところがあります。

表示 noun
hyoo-JI display; description

加盟店の表示を確認してから、異議申し立てを始められます。

明細 noun
may-SIGH statement

明細に身に覚えのない請求があることに気づきました。

曖昧 adj
ay-MAY vague; ambiguous

表示が曖昧なので、どこからの請求なのかわかりません。

Quiz

Spelling

Tap the letters to spell the word.

to notice; to realize

Show Answer気づきました

dispute; formal objection

Show Answer異議申し立て

unfamiliar; not recognized

Show Answer身に覚えのない

payment processor

Show Answer決済処理会社