Credit card fraud

caro90

Is it legal that my credit card Company says that I must investigate the credit card fraud I have reported myself? Thanks.

[Deleted User]

It very much depends what they said and what the alleged fraud is.

eco_warrior

Could you give some more information about the fraud you are reporting?


I would expect a card provider to do some questioning and then investigate the claim themselves, unless they are quite sure its not fraud.

caro90

I used to be with Virgin Atlantic credit cards who recently ended their agreement with MBNA so MBNA sent me their own version of a credit card. I never intended to use it so I received it, never activated it and went to cancel it today.

As I looked at my online account I saw a transaction I did not recognise. I phoned MBNA and told me I would need to email the company myself and if the transaction wasn't in my name to call their security department. I asked what if it was in my name (which would be even more worrying!)? Then I should ring their disputed transactions department again.

I have now emailed the company, they keep emailing back for more information but have not yet given me details about the transaction.

Also MBNA never offered to do anything else and I had to tell them to freeze the card so it could not be used again.

Thanks.

[Deleted User]

They're not asking you to investigate.

Just to confirm that you don't recognise the transactions. Lots of 'fraud' calls are because people don't recognise the name on the statement.

Don't worry. They're not asking you to stake the place out and make a citizen's arrest.

caro90

Deleted_User wrote: »

They're not asking you to investigate.

Just to confirm that you don't recognise the transactions. Lots of 'fraud' calls are because people don't recognise the name on the statement.

Don't worry. They're not asking you to stake the place out and make a citizen's arrest.

But I did tell them multiple times I don't recognise it. I don't understand why I now need to get in touch with the company myself?

[Deleted User]

It will help them focus their investigations - ie is the fraud to your address or elsewhere. Their resources are not unlimited and it will help to push your complaint further up the queue.

But if you don't want to, then I guess you could just tell them that.

caro90

Deleted_User wrote: »

It will help them focus their investigations - ie is the fraud to your address or elsewhere. Their resources are not unlimited and it will help to push your complaint further up the queue.

But if you don't want to, then I guess you could just tell them that.

I did and they just said that's how they work. I have given the company the information they have asked for. Apparently he/she needs to discuss it with a colleague who is on holiday until next week...

PRAISETHESUN

caro90 wrote: »

I did and they just said that's how they work. I have given the company the information they have asked for. Apparently he/she needs to discuss it with a colleague who is on holiday until next week...

As long as the card has been frozen, I wouldn't worry too much as no further unauthorised transactions can occur. They won't be asking you to investigate it yourself, they are just asking for more info to help direct their own investigation. You can pursue this from both ends if you want to try and speed things up - ie. tell the merchant it was unauthorised and ask for a refund, and simultaneously pursue the CC company for a chargeback. If the purchase is refunded by the merchant the CC dispute should close, but if they refuse then the CC company can still force the chargeback.

caro90

PRAISETHESUN wrote: »

As long as the card has been frozen, I wouldn't worry too much as no further unauthorised transactions can occur. They won't be asking you to investigate it yourself, they are just asking for more info to help direct their own investigation. You can pursue this from both ends if you want to try and speed things up - ie. tell the merchant it was unauthorised and ask for a refund, and simultaneously pursue the CC company for a chargeback. If the purchase is refunded by the merchant the CC dispute should close, but if they refuse then the CC company can still force the chargeback.

Thank you. It would still worry me how someone managed to use my credit card details, especially if they have my name and address as well (not yet confirmed). I guess I'll just need to wait for now.

eco_warrior

What's the name of the company who took the fraud/unrecognised payment?