Tried to return with wife's card

Alter_ego

earthstorm wrote: »

my comment was directed at tom15387202 post

Sorry, I thought you meant mine as you quoted me.

earthstorm

wealdroam wrote: »

Yes, but there is no fraud.

but Visa/Mastercard class it as fraud as they deem it a fraudulent use of a card.

wealdroam

earthstorm wrote: »

wealdroam wrote: »

Yes, but there is no fraud.

but Visa/Mastercard class it as fraud as they deem it a fraudulent use of a card.

Oh dear.

Visa/Mastercard can class it how they like.

Fraud is a criminal offence.

The only thing that Visa/Mastercard could say is that agreement/contracts have been broken.

That's all.

halibut2209

earthstorm wrote: »

I go into a store with a CC in your name to return some goods and say i am your brother, so they refund money onto the card, this goes into my bank account,

I'll just leave this here so everyone can see how ridiculous it is.

earthstorm

halibut2209 wrote: »

I'll just leave this here so everyone can see how ridiculous it is.

how ridiculous is it as hows the store to know you are related to the card holder or if its a genuine card.

stores have to protect themselves and have LEGAL agreements they have to adhere too, you would be upset if you visited the store and found you no longer could pay by card as they have had their services revoked for breaking agreements and marked as a fraudulent retailer by major card providers.

This does happen

shaun_from_Africa

I think that the ridiculous comment referred to this

I go into a store with a CC in your name to return some goods and say i am your brother, so they refund money onto the card, this goes into my bank account, but the details their system has is your name.

If the credit card was in my name, why would the refund then go into your bank account?

the store does not know if the OP is the husband of their customer or the card is the same card used for the transaction

Of course they would know if it was the card used for the original transaction.
The receipt should show the last 4 digits of the number but even if it didn't, they can simply look up the original transaction and get the payment card details that way.

earthstorm

shaun_from_Africa wrote: »

I think that the ridiculous comment referred to this

If the credit card was in my name, why would the refund then go into your bank account?

cloned with your name but with the strip details and card number linking to the fraudster bank account.

it is clear none of you are retailers with cc retailer agreements and think just because you say you are related to the card holder the store should just accept that.

stores have a lot more to lose than you if it turns out to be fraud, so they just follow what they have too as per their agreements with the cc companies.

wealdroam

earthstorm wrote: »

it is clear none of you are retailers with cc retailer agreements and think just because you say you are related to the card holder the store should just accept that.

No-one has said that, have they?
Please correct me if I am wrong.

earthstorm wrote: »

stores have a lot more to lose than you if it turns out to be fraud, so they just follow what they have too as per their agreements with the cc companies.

And there is absolutely nothing wrong with that.

Good to see that you have revised your stance to "if it turns out to be fraud", rather different from your earlier statement:

earthstorm wrote: »

As a retailer with CC agreements in place then yes it is fraud as someone unauthorised by the bank is using another persons card.

hgotsparkle

The fact is that there are no rights, as its not your card.

The fact that this has even been disputed is absolutely idiotic.

pinkshoes

Why not just return in a ladies wig and a bra padded out with socks under a skimpy dress, and see if you can pass yourself off as your wife??

I was in a small shop the other day where a husband returned a pair of shoes using his wife's card, and typed in her pin number. No questions were asked...