Visa produces fake proof of transaction?

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Kark123
 
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Visa produces fake proof of transaction?

Postby Kark123 » Wed Feb 13, 2013 9:42 pm

A few weeks ago I notice a fraudulent charge on my Visa card. Immediately I disputed the charge and got credit .

A few days later the charge was reinstated.

In the mail I got "proof" that I indeed purchased something at Krogers in Houston, Tx.
First of all I did not make this purchase... I am 100% sure of it, but worse... Visa (Cap One) "faked" the sales receipt.

Their sent me a piece of paper which apparently had a scanned image of the Krogers sales receipt. However this cannot possible be correct, because they got the details wrong.

First of all, Krogers sales receipts do look totally different and worst of all they misspelled the merchants street address. I went to the store and they confirmed, that this was not a scanned image of their receipts.

Furthermore they do not scan any sales receipts at all... this is a fully electronic transaction... there is no image stored anywhere (maybe the signature?) just the amout and card number, merchant ID and date/time.

According to the store manager, the price of 54.95 is not by coincidence the exact amount of a popular gift card. What apparently had happened is that a fraudster managed to "copy" my card... purchased a gift card at Krogers and somehow has a way to get cash for it elsewhere??? How do they copy a card? anyone?

Anyway Capital One finally agreed to refund my money, but not before they called me a liar by disputing my claim after many years of paying my bills on time...
Now they insult my intelligence by producing fake sales receipts.

My advice:

Fight tooth and nail. The credit card company does not give a flying monkey as long as they can avoid taking the losses themselves.



Karl


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Postby MemberSince99 » Thu Feb 14, 2013 4:31 pm

It really depends on the company - Amex is known to be very consumer friendly for example. That's probably the ONLY reason to have an Amex, other than to impress chicks, but maybe ti's not such a good idea to be with the kind of girls that impresses anyway.

Some of them are good others not so good. But I don't doubt a bit there are plenty of banks out there who are happy to let you take the loss so they don't have to. I've seen that mentality in acction a few times myself. I've also seen other companies that would go to bat for me and who refunded me the money right away. It just depends on the creditor.

But as an aside, you should get your card cancelled and a new account number to prevent further theft, hopefully you did that?

I'm glad you did get your money back on that.

Moneytalks
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Postby Moneytalks » Thu Feb 14, 2013 9:29 pm

MemberSince99 wrote:It really depends on the company - Amex is known to be very consumer friendly for example. That's probably the ONLY reason to have an Amex, other than to impress chicks, but maybe ti's not such a good idea to be with the kind of girls that impresses anyway.

Some of them are good others not so good. But I don't doubt a bit there are plenty of banks out there who are happy to let you take the loss so they don't have to. I've seen that mentality in acction a few times myself. I've also seen other companies that would go to bat for me and who refunded me the money right away. It just depends on the creditor.

But as an aside, you should get your card cancelled and a new account number to prevent further theft, hopefully you did that?

I'm glad you did get your money back on that.


Haha, 99 "impress chicks"- especially not on Valentines day, Birthdays, or Christmas!
Wallet: Amex BCE & Chase Freedom. (Credit Card dieting since 2014)

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FastSRT8
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Postby FastSRT8 » Tue May 14, 2013 8:29 pm

Moneytalks wrote:Haha, 99 "impress chicks"- especially not on Valentines day, Birthdays, or Christmas!


Nothing wrong with impressing chicks LOL

Actually, I'd rather be impressing the chicks than the dicks
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Moneytalks
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Postby Moneytalks » Tue May 14, 2013 8:41 pm

FastSRT8 wrote:Nothing wrong with impressing chicks LOL

Actually, I'd rather be impressing the chicks than the dicks


This is the wrong thread for your shenanigans Fast :P (And nice profile pick btw)
Wallet: Amex BCE & Chase Freedom. (Credit Card dieting since 2014)

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FastSRT8
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Postby FastSRT8 » Tue May 14, 2013 9:49 pm

Moneytalks wrote:This is the wrong thread for your shenanigans Fast :P (And nice profile pick btw)


hmmmm.... shenanigans is my middle name.

Work without shenanigans is boring....
Life without shenanigans is akin to living in a monastery......

As for my pic, glad you love my PuertoRICAN EXpress card
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Z06Biker
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Postby Z06Biker » Tue May 14, 2013 10:04 pm

To the OP, that is very odd, and I'm glad it worked out. I'm hesitant to think that Visa would have produced a fraudulent receipt, though. I mean, that's just asking for a legal nightmare.

I agree that shenanigans, poops and grins are what life is all about! That said...

I hope there wasn't a hint of s exual orientation discrimination somewhere in this thread...?
AMEX: PRG Gold, Business Simply Cash, Business Costco, BCE.
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FastSRT8
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Postby FastSRT8 » Tue May 14, 2013 10:18 pm

Z06Biker wrote:To the OP, that is very odd, and I'm glad it worked out. I'm hesitant to think that Visa would have produced a fraudulent receipt, though. I mean, that's just asking for a legal nightmare.

I agree that shenanigans, poops and grins are what life is all about! That said...

I hope there wasn't a hint of s exual orientation discrimination somewhere in this thread...?


Better clarify.... I and by I, I mean ME...my personal preference and by all means not a blanket comment for all... preference is chicks.

:)
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Z06Biker
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Postby Z06Biker » Tue May 14, 2013 11:03 pm

Puerto Rican ones? :)
AMEX: PRG Gold, Business Simply Cash, Business Costco, BCE.
Chase: United MileagePlus Club, Sapphire Preferred, Amazon Rewards
Barclaycard Arrival World Mastercard
HSBC Cash or Fly World Mastercard
USAA World Mastercard, USAA Platinum Mastercard
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FastSRT8
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Postby FastSRT8 » Tue May 14, 2013 11:58 pm

Z06Biker wrote:Puerto Rican ones? :)


Hahahahhaha never tried....

*picking up telephone.....calling Amex Cent concierge*
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