- Green Member
- Posts: 7
- Joined: Thu Nov 18, 2010 3:11 am
- Location: Aurora, NE
Plain and simple, if I have a prepaid visa card in my name with a $0 and someone takes it then attempts to make a purchase, but fails, is that fraud?
For what it's worth, this is a Vision prepaid Visa. I don't remember ordering it, but found it laying on my desk and the sticker with the activation number was off of it. The card had my name on it but I don't remember ordering, activating or loading money on the card. I went to the website and created a login. What it showed was 3 declined signature transactions and each were charged a fee of $2.95. It was then charged an Activation fee of $9.95, a monthly fee of $6.95 and a conditional monthly fee of $4.95. The $4.95 was charged because no direct deposits were made to the card in the month. Can you say "Rip Off!"
Then it said I have a balance of -$30.70 and I needed to load money immediately. I called the customer service number and they said because someone attempted to use it before funds were added, it triggered the fees and they needed to be paid immediately.
They weren't able to make a purchase, but they did stick me with a $8.85 fee ($2.95 X 3) for 3 failed attempts to use it to make a purchase. I'm sure they thought either there was money on it or it was a credit card when they took it. Then they tried to put it back so I wouldn't miss it. The fees for this are just nonsense and when this is over I'm cutting it in half and sending it back. Can they really come after me for those fees since I never loaded money on the card?
I know it's a stupid question, but I've never been stiffed with a fee from a card I never loaded money on before. What if any laws are broken then when someone attepts to use your card without permission but the transaction is declined? Does it matter if it's a credit card, debit card or prepaid?