What to tell a credit card company about fraud?

Get credit card fraud help: For victims of credit card fraud and identity theft, and those that can help.
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mobile1
 
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What to tell a credit card company about fraud?

Postby mobile1 » Sun Apr 02, 2017 5:54 pm

What should I tell a credit card company to convince them that a charge is fraudulent?


Tubpbs
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Re: What to tell a credit card company about fraud?

Postby Tubpbs » Sun Apr 02, 2017 9:01 pm

mobile1 wrote:What should I tell a credit card company to convince them that a charge is fraudulent?


You've provided no information of any kind for anyone to help you with.

You haven't even made it clear if the transaction was or was not fraudulent.
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Re: What to tell a credit card company about fraud?

Postby CarefulBuilder14 » Sun Apr 02, 2017 9:39 pm

mobile1 wrote:What should I tell a credit card company to convince them that a charge is fraudulent?

Was the card physically present? Keep in mind it could have been lost/stolen/cloned/borrowed without permission.

Have you had any legitimate dealings with the merchant before? Is the charge wholly unconnected with any legitimate transaction, or is it a billing timing/amount dispute? Have you signed anything? Was anything shipped, either to your address or a friend's or stranger's address?

How long has it been since the first fraudulent transaction took place?
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mobile1
 
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Re: What to tell a credit card company about fraud?

Postby mobile1 » Mon Apr 03, 2017 8:28 am

A company asked me to buy gift cards, and gave me a bank account to pay for them. I bought the gift cards with a credit card.

Then I sent a photo of the cards to the company. They took all of the money.

Their bank account never paid.

So now I am out of the money.

What should I tell my credit card company to convince them that this was fraudulent?

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CarefulBuilder14
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Re: What to tell a credit card company about fraud?

Postby CarefulBuilder14 » Mon Apr 03, 2017 10:34 am

mobile1 wrote:A company asked me to buy gift cards, and gave me a bank account to pay for them. I bought the gift cards with a credit card.

Then I sent a photo of the cards to the company. They took all of the money.

Their bank account never paid.

So now I am out of the money.

What should I tell my credit card company to convince them that this was fraudulent?

Unfortunately, I see no grounds for disputing the charge. The fact that the crook(s) who told you to buy gift cards cheated you isn't the responsibility of the merchant that sold you the gift cards.

You authorized the use of your credit card to purchase the gift cards. The gift card seller wasn't part of the arrangement with the crook. They were just selling you gift cards. You bought them as just plain you, not as a member of some sort of business who wasn't personally responsible if the business failed to pay. The way the crook(s) arranged it, you're the one liable - not them or the merchant.

How much money are you out?

If you do realize you are the one legally responsible and your desire to "convince them it was fraudulent" includes the willingness to commit fraud yourself, keep in mind that, especially for a large purchase, the merchant probably has some evidence that will suggest otherwise. The cards might have been shipped to your address. Maybe you had to show ID to buy a lot of gift cards. Maybe they have in-store security cameras. Maybe you had to sign for them at purchase or delivery. And even if the bank believes your lies and sides with you, the merchant may continue to go after you with debt collectors and lawsuits.
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Tubpbs
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Re: What to tell a credit card company about fraud?

Postby Tubpbs » Mon Apr 03, 2017 8:20 pm

mobile1 wrote:A company asked me to buy gift cards, and gave me a bank account to pay for them. I bought the gift cards with a credit card.

Then I sent a photo of the cards to the company. They took all of the money.

Their bank account never paid.

So now I am out of the money.

What should I tell my credit card company to convince them that this was fraudulent?


What was the plan here exactly?

It seems like you were trying to participate in some sort of scam (perhaps unknowingly - in some sort of too good to be true scenario) and you got scammed yourself....
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CarefulBuilder14
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Re: What to tell a credit card company about fraud?

Postby CarefulBuilder14 » Mon Apr 03, 2017 11:39 pm

Tubpbs wrote:
mobile1 wrote:A company asked me to buy gift cards, and gave me a bank account to pay for them. I bought the gift cards with a credit card.

Then I sent a photo of the cards to the company. They took all of the money.

Their bank account never paid.

So now I am out of the money.

What should I tell my credit card company to convince them that this was fraudulent?


What was the plan here exactly?

It seems like you were trying to participate in some sort of scam (perhaps unknowingly - in some sort of too good to be true scenario) and you got scammed yourself....

It is puzzling...maybe OP was told to buy them at a discount to face value to resell for more? Or the alleged idea was to launder funds for a Nigerian prince?

I mean, you need some alleged reason the scammer would be willing to pay an inflated price for them, thus creating a role for the mark.
Warranties and sketchy merchants: Schwab Platinum
Price rewind: Costco
Travel insurance: Prestige, CSP
Perks: IHG, Hyatt
Rewards/Offers: Discover, Freedom, ED, BCE
Taxes/Misc: SPG

Limited value, might close: Arrival

Might add: First Tech, proper business card



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