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What To Do In Case Of Credit Card Fraud?  
User currently offlineAvianca From Venezuela, joined Jan 2005, 5925 posts, RR: 40
Posted (2 years 9 months 2 weeks 4 days 21 hours ago) and read 1876 times:

Hi all,

yesterday I noticed that my credit card was cloned, and the person who did it registered my card in pay pal and made several payments like ordering stuff and paying pocker via ineternet..

my big concern is if I ever will see my money back, i am talking of around 1500 usd...
I immidiately cancled/blocked my card and placed a claim. but is their a chance to get the money back?

thanks for your input!
regards
Avianca


Colombia es el Mundo Y el Mundo es Colombia
8 replies: All unread, jump to last
 
User currently offlinejoffie From Australia, joined Mar 2006, 807 posts, RR: 2
Reply 1, posted (2 years 9 months 2 weeks 4 days 21 hours ago) and read 1876 times:

Its the bank's money so you should of reported it to them.

If your not at fault, then you don't have to pay.. Its frustrating so good luck.


User currently offlineAvianca From Venezuela, joined Jan 2005, 5925 posts, RR: 40
Reply 2, posted (2 years 9 months 2 weeks 4 days 21 hours ago) and read 1873 times:

Quoting joffie (Reply 1):
Its the bank's money so you should of reported it to them.

thanks for your quick reply, already reported to them but I am sure they will try to do everything possible in order to be not liabel and pass this to me....

well it looks like they copied the card in a restaurant (and not in a cheap one....)



Colombia es el Mundo Y el Mundo es Colombia
User currently offlinestasisLAX From United States of America, joined Jul 2007, 3283 posts, RR: 6
Reply 3, posted (2 years 9 months 2 weeks 4 days 20 hours ago) and read 1857 times:

Quoting Avianca (Thread starter):
my big concern is if I ever will see my money back, i am talking of around 1500 usd...
I immidiately cancled/blocked my card and placed a claim. but is their a chance to get the money back?

Avianca, so sorry to learn that you've been victimized. Here's my recommendations to you (as a former Fraud Control Manager for an international retailer), Firstly, put together a written statement that you did not authorize nor make the fraudulent purchases on your credit card. List the charges (amounts, dates, and merchant names) in question. The issuing institution will begin what is known as the "charge-back" process with the involved merchants. These chargebacks will be filed under an "Unauthorized Sale" category. The merchant's account with the card issuer (Visa, Mastercard, Discover, American Express, JCB, whatever emblem is on your credit card) will be debited for the amount that appears on your statement, and your credit card will be credited with the amount of the disputed charge). Many times, in clear-cut fraud situations like yours, the issuing bank will issue a "provisional" credit while the process worked out (usually takes 30 to 60 days), At most, under US law, you will be liable for no more than $50 USD, and usually cardholders don't pay a dime in liability. So no worries! Just keep a close eye on future statements and verify any charges that seem fishy.

Look at the back of your most recent credit statement for the address to send disputed charges to in writing. Wishing you all the best and I do hope this situation is resolved swiftly.



"Those who would give up essential liberty to purchase temporary safety deserve neither liberty nor safety!" B.Franklin
User currently offlineAvianca From Venezuela, joined Jan 2005, 5925 posts, RR: 40
Reply 4, posted (2 years 9 months 2 weeks 22 hours ago) and read 1698 times:

Quoting stasisLAX (Reply 3):
Look at the back of your most recent credit statement for the address to send disputed charges to in writing. Wishing you all the best and I do hope this situation is resolved swiftly.

thanks a lot! I am very surprised that within 3 days a big bunch of the money was already credited again!

saludos and thanks again
Avianca



Colombia es el Mundo Y el Mundo es Colombia
User currently offlineGuitrThree From United States of America, joined Oct 2004, 2048 posts, RR: 8
Reply 5, posted (2 years 9 months 2 weeks 22 hours ago) and read 1692 times:

My wife had her card cloned. They cleaned our account and started into our overdraft protection before we noticed. The only reason I knew was because I got an email from my bank that the minimum balance threshold was met...

What really made me mad with my bank was that the clone was used every day for the maximum withdrawal amount at various ATM's in California for 7 days straight. That should have sent a red flag there alone, because we never use it for ATM cash. But no, it gets better. Get this, my wife used her card 30 minutes here at home in Tennessee after it also was "used" in Los Angeles. And yet the banks security software couldn't catch this red flag.

Got every cent back from the bank. I shake my head that the bank lost almost $4,000 because they have such crappy security software. Oh well, it was a pain in the neck, but got it all back.



As Seen On FlightRadar24! Radar ==> F-KBNA5
User currently offlineAvianca From Venezuela, joined Jan 2005, 5925 posts, RR: 40
Reply 6, posted (2 years 9 months 2 weeks 22 hours ago) and read 1690 times:

Quoting GuitrThree (Reply 5):
What really made me mad with my bank was that the clone was used every day for the maximum withdrawal amount at various ATM's in California for 7 days straight. That should have sent a red flag there alone, because we never use it for ATM cash. But no, it gets better. Get this, my wife used her card 30 minutes here at home in Tennessee after it also was "used" in Los Angeles. And yet the banks security software couldn't catch this red flag.

Got every cent back from the bank. I shake my head that the bank lost almost $4,000 because they have such crappy security software. Oh well, it was a pain in the neck, but got it all back.

agree on that, security of the banks are mostly not really working... I have in Peru a Visa with a Spanish bank group, and the protection is sometimes to strict... but better to strict as not strict like on my AMEX issued by a local Peruvian bank... and yes this one was that was cloned...



Colombia es el Mundo Y el Mundo es Colombia
User currently offlinetrav110 From Canada, joined Jun 2005, 536 posts, RR: 3
Reply 7, posted (2 years 9 months 2 weeks 20 hours ago) and read 1679 times:

VIsa and MC credit cards all have 0% fraud liability as long as you weren't violating the cardholder agreement (for example, writing the pin onyour CC). Cancel the card immediately (if you haven't already), and talk to your bank. They may have you file a police report explaining the situation before they refund the money but you won't have a problem getting it all back,

User currently offlineGuitrThree From United States of America, joined Oct 2004, 2048 posts, RR: 8
Reply 8, posted (2 years 9 months 1 week 6 days 22 hours ago) and read 1620 times:

Quoting trav110 (Reply 7):
VIsa and MC credit cards all have 0% fraud liability as long as you weren't violating the cardholder agreement (for example, writing the pin onyour CC). Cancel the card immediately (if you haven't already), and talk to your bank. They may have you file a police report explaining the situation before they refund the money but you won't have a problem getting it all back,

While that's all well and good, that's not the point. First off, in my case it can be shown that both cards, the real one and the clone were used on both sides of the country 30 minutes apart. Also, even if they weren't both used a courtesy call should have been made to us after the 2nd straight day of maximum ATM withdraws were made thousands of miles from home.

Sure, we got it all back, but luckily for us, we keep the bulk of our money in an account with no ATM/Debit cards. The only way to get money out is going to the bank and doing a transfer. We got cleaned out of about $4,000. If that's all we had in the bank, and it was mortgage payment time, we would be screwed. It took us 3-4 weeks, almost a month, to get it back, and we were told to make a police report. I'm sure we were told this to scare off those trying to scam the bank, but seriously, why did we have to file a report when their own records showed that the cards were used 30 minutes apart across the country before they believed us?

Zero Liability, yes. Pain in the ass because the bank has the worst security software in the world? Thats piss-poor customer service.



As Seen On FlightRadar24! Radar ==> F-KBNA5
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