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credit card fraud

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molly22
molly22 Posts: 182 Forumite
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help!

i have a Capital One card that is showing 2 transactions that are not mine.
i rang CO, not terribly helpful, told me to ring the companies involved, Amazon and Ryanair.
Amazon confirmed the transaction was not mine and told me to tell CO, which i did and eventually they said they would send me a 'dispute form'.
Ryanair are hard to contact, and also confirmed the transaction did not match my email address, but told me to go back to CO or ring the police.

Never had this before.
Not sure what to do.

can anyone help please~?

molly

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  • James
    James Posts: 2,059 Forumite
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    You should be able to get all the professional Help & Support you need from Action Fraud.

    Click here..... They've got a Free Phone Help Line.

    If you do give them a call; please let us all know how you got on.

    Good luck.
  • INT1
    INT1 Posts: 1,257 Forumite
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    Call Cap ONE again, they should send you a declaration disclaimer to sign and the amounts refunded to you.
  • jimbms
    jimbms Posts: 1,100 Forumite
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    Try doing exactly what you have been told, ring the police, you then get a crime number and also cap one then have to act on this as it has become a criminal investigation.
    Approach her; adore her. Behold her; worship her. Caress her; indulge her. Kiss her; pleasure her. Kneel to her; lavish her. Assert to her; let her guide you. Obey her as you know how; Surrender is so wonderful! For Caroline my Goddess.
  • INT1
    INT1 Posts: 1,257 Forumite
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    Credit card company are the victim not the consumer-the police wouldn't issue a crime reference number, they may issue you a log number but the onus is on Cap ONE to do this and they probably wouldn't given the amounts involved..
  • James
    James Posts: 2,059 Forumite
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    aldo wrote: »
    Credit card company are the victim not the consumer-..


    Tell that to Molly22, and all the other victims who've had someone using either their Card or Card Details, pretending to be them.

    Think of the concern and worry Molly22 and others go through. Most victims get their money back, but many don't.

    True, the Card Issuer, or Retailer usually picks up the financial cost of fraud, but it's neither of them that has the initial worry and concern, which in many cases can cause Direct Debits and Standing Order to go unpaid, and force the victim to look for money they don't necessarily have.

    In the end, we're all victims as it's all of us who pick up the cost of this type of crime.

    Today's rant
  • molly22
    molly22 Posts: 182 Forumite
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    :jjust an update
    i rang Capital one again and got a lovely man who told me not to worry and he would sort everything and get the full amount refunded to my card, which he did.

    but why didnt that happen with my first phone call????!

    molly
  • INT1
    INT1 Posts: 1,257 Forumite
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    Because that would be too easy :p

    Good it's all resolved.
  • chattychappy
    chattychappy Posts: 7,302 Forumite
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    And... it might not have been fraud. Could have been a mistake! Mistakes do happen...
  • moonrakerz
    moonrakerz Posts: 8,650 Forumite
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    I really don't understand why people get so worried about transactions on their Credit Card that they did not authorise. I know it can be a pain sorting it and getting a new card but you are at NO risk of financial loss - unlike with your Debit Card.

    I keep seeing statements like this:-
    "Most victims get their money back, but many don't."

    There is NO money to get back - If it is on a credit card YOU haven't paid for it yet !
    If something appears on your card that you dispute just tell the card issuer and they will put it in "dispute", it will still appear on your statement but is "frozen", no interest is added and you are not expected to settle the amount.

    The Law is on your side - if the card issuer wishes to take you to Court (he won't !) he has to prove that you did make the transaction - you don't have to prove that you didn't.

    From the way CO responded to this one it would appear that their staff are even more ignorant than most of what should happen !
  • chattychappy
    chattychappy Posts: 7,302 Forumite
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    moonrakerz wrote: »
    I really don't understand why people get so worried about transactions on their Credit Card that they did not authorise. I know it can be a pain sorting it and getting a new card but you are at NO risk of financial loss - unlike with your Debit Card.

    I keep seeing statements like this:-
    "Most victims get their money back, but many don't."

    There is NO money to get back - If it is on a credit card YOU haven't paid for it yet !
    If something appears on your card that you dispute just tell the card issuer and they will put it in "dispute", it will still appear on your statement but is "frozen", no interest is added and you are not expected to settle the amount.

    The Law is on your side - if the card issuer wishes to take you to Court (he won't !) he has to prove that you did make the transaction - you don't have to prove that you didn't.

    From the way CO responded to this one it would appear that their staff are even more ignorant than most of what should happen !

    Yes, I agree, particularly in the case of unrecognised transactions. But in practice you can get caught.

    I friend of mine stayed a night "somewhere in Asia". Checked in late - they insisted he paid in advance for the room. No problem, he thought. There was a storm and a power cut. The guy used an old-fashioned manual imprinter. "Room stay US$30". No problem.

    6 weeks later and back in the UK, it goes through as US$930. Raised a query with NatWest. NatWest say "do you have the top copy" - nope, he lost it. A couple of weeks later back comes a faxed copy. There's the voucher. The empty boxes hadn't been crossed through. A "9" was inserted. NatWest said that on the basis he didn't have the top copy, and the copy supplied via visa showed $930, that was the end of the matter.

    Well, if he'd refused to pay it would have gone to court (eventually). It's a civil claim. Balance of probabilities (not "beyond reasonable doubt") is the test. Courts presume against fraud/forgery of documents unless there really is strong evidence to support this. There was weak circumstantial evidence - it would be difficult to incur a bill that big except through a long stay and he had receipts to show that he was in other cities shortly before and after the stay.

    He paid up - ouch - US$900. (About £600).

    I wouldn't have fancied his chances in court fighting it, given he lost the top copy.

    (Moral: with manual vouchers keep top copies, strike through unused areas, also write in words)
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