Any advice on chase debit/visa, child used

Get credit card fraud help: For victims of credit card fraud and identity theft, and those that can help.
25 posts
Mitch
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Postby Mitch » Thu Dec 11, 2014 11:01 pm

Quick Question... were these charges through the Apple iTunes store? If so... there is a chance you could get a refund.

I'd recommend contacting apple if that is the case. I know they'd probably be willing to help. There have wonderful customer service.
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Discover It $500 10/14. Capital One QS Visa $300 02/15, formerly Journey Visa Plat. 11/14.


CCRider
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Postby CCRider » Thu Mar 12, 2015 2:51 pm

If the gaming company where your kid made the purchase is based in California (and since you live there based on your signature) you may be covered under a CA state law that requires companies give refunds to parents who complain about such unauthorized child purchases. I just saw where Facebook is about to get sued over this situation because their refund policy for gaming purchases doesn't comply and they only give refunds on a case by case basis. It's obviously been several months since you posted but you might still be able to get some relief if your bank wouldn't help.

http://www.reuters.com/article/2015/03/11/us-facebook-classaction-idUSKBN0M724720150311

jo939
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Postby jo939 » Sun Mar 29, 2015 7:33 am

There is so much misinformation. Federal law has made it clear. Unauthorized is unauthorized and it seems like Chase thinks they can intimidate you into stopping short here. Federal law has stated that the authorized user is defined as the cardholder, and I'm assuming your son is not considered a cardholder under the account? That being said, you can file a police report against your child and then work with Chase. You can also cite Federal law against them. Apple was actually sued because of this. So it's not completely unheard of and usually banks will first attempt to deny this as a fraudulent charge. You can see how this might affect their business. If everyone decided to use their kids to make purchases and then report it as unauthorized then Chase wouldn't be making money. You can also try to settle on a deal. Typically the phone agents can do very little and it usually comes down to the fraud department.

bankdisp
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Postby bankdisp » Tue Mar 31, 2015 12:29 pm

unfortunately this happens a lot and the banks really can't do much about it. one thing that can stop it completely is to request to status that debit card as lost or stolen so they give you a new one with new numbers. then your son can't make purchases on the old card number (this only works for debit cards) then just make sure he doesn't get a hold of it again.

bankdisp
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Postby bankdisp » Tue Mar 31, 2015 12:32 pm

and FYI I work for a major bank in disputes chargebacks so I actually know what I am saying



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