Fraud charge & credit card ruled merchant's favor

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4 posts
nstar92
 
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Joined: Thu Sep 17, 2015 8:23 am

Fraud charge & credit card ruled merchant's favor

Postby nstar92 » Fri Sep 18, 2015 11:06 am

My credit card no. was stolen on 7/1. Someone charged $253.55 (Sprint Wireless) using my card on 7/2. I reported to Sears/Citibank Credit Card as soon as I found out on 7/5/15. 2 months later, Sears/Citibank closed the investigation and rebilled the charge back to my account stating the merchant's receipt is legit. I looked at the merchant's receipt, first, it has no cardholder info except a zip code and it is an incorrect zip code. It does not have anything linking to me (name, address, phone...etc) other than my credit card number. Second, the address on the 2nd page (a PO box in IL) is nowhere near me (NJ). So far, I have faxed and mailed a letter stating I disagree with the rebill. Also called and emailed but all receive no response. I feel the investigator never really take a good look at the receipt. Is there anyway I can appeal the case? What are my rights and options?


mdawg
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Re: Fraud charge & credit card ruled merchant's favor

Postby mdawg » Thu Feb 04, 2016 1:54 pm

This makes zero sense. Almost never happens this way on an actual fraud charge.

Perhaps you had recurring charges from this merchant?

rockyrock
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Re: Fraud charge & credit card ruled merchant's favor

Postby rockyrock » Fri Feb 05, 2016 8:38 am

I agree, this makes almost no sense. I can't help but feel there is more to it.
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takeshi
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Re: Fraud charge & credit card ruled merchant's favor

Postby takeshi » Fri Feb 05, 2016 1:08 pm

Call and escalate.



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