:mad: Fraudulent Charge :mad:

Get credit card fraud help: For victims of credit card fraud and identity theft, and those that can help.
23 posts
Square Obsidian
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Joined: Mon Feb 11, 2013 2:01 pm
Location: U.S.

Postby Square Obsidian » Fri Feb 15, 2013 11:58 pm

As someone who works in the fraud department for both debit and credit cards I can share a few pieces of advice.

The first is disputing a charge and reporting a charge as fraud are two different things. And in most cases, are handled by two different departments. The charge in question, in your case is fraud because you neither recognize the charge nor did you authorize. Disputing a charge is a process usually done when the merchant charges you more than once for the same amout, for more than what was agreed upon, you didnt receive the product or service you are expecting. In your case, it sounds like your charge is going through the dispute process, in which the bank tells you to wait to see if either the charge posts, drops off, or changes to the amount originally intended.

Second piece of advice, if you already haven't shut down your debit card. This may be bothersome, but if the charge is indeed fraud, someone has your card info, and leaving the card open invites them to continue using it. And make sure when you receive your card, it has entirely different numbers. Don't forget to set any auto charges back up.

I can't speak for all banks. As everyone has different procedures. But I would make sure your bank isn't just disputing the charge if it is fraud.

(Had this sitting in my ipod, thought I hit send already. Everything sounds fine though. Sounds like disputes and fraud are handled by the same department. Excuse my rambling.)
Amex BCE $12,000 5/17
Chase Freedom $3,700 5/17
Discover it $1,250 5/17
CO QuickSilver $1,250 5/17


kcarter609
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Location: VA

Postby kcarter609 » Sat Feb 16, 2013 7:38 am

Thanks for the advice. They ruled a month ago in my favor of course and made my temporary credits permanent.

Active Cards:
Chase Freedom 10+10 Visa Signature ($9k Limit - 8/2012)
Chase Sapphire Preferred ($10k Limit - 2/2013)
Chase Ink Plus ($7k Limit - 2/2013)
Discover IT ($9.5k Limit - 10/2012)
AMEX Zync (No Pre-set Limit - 1/2010)
AMEX Blue Cash Everyday ($20k Limit - 1/2013 - Backdate to 1/2010)

Square Obsidian
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Posts: 44
Joined: Mon Feb 11, 2013 2:01 pm
Location: U.S.

Postby Square Obsidian » Sat Feb 16, 2013 9:05 am

kcarter609 wrote:Thanks for the advice. They ruled a month ago in my favor of course and made my temporary credits permanent.


No problem. Glad to hear it went in your favor. C:
Amex BCE $12,000 5/17
Chase Freedom $3,700 5/17
Discover it $1,250 5/17
CO QuickSilver $1,250 5/17



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