Do I cancel card re fraud/received conflicting advice

arsenalboy

Got my AMEX statement today and not only did it have my Amazon Prime sub of £7.99 but a duplicate £7.99 with a different date. I checked my subscription page on Amazon and the duplicate hadnt been credited.

Went on Amazon chat and gave them the reference numbers and they said fraud and to cancel card.

Went to Amex chat and they said cancelling card was inappropriate and gave the reason as "a charge cannot be made without Safekey code sent to my phone/email, or it has to be a recurring charge approved by me at outset"

I went back to Amazon and they said fraud and said my card had been used on the spanish version of Amazon and urged me to cancel.

Who is correct as it will be a bit of a hassle to cancel the card and set up new payments etc. I am not worried about the duplicate £7.99 as that will get sorted.

I tend to lean towards AMEX as I was talking to a card expert, plus I am covered against potential fraud as I have transcript from AMEX telling me not to cancel!

Would welcome advice/views

tacpot12

I think I would cancel the card. I would do so by calling AMEX. Don't use the chat. Ask them if they have a record of the chat. You might have been chatting with the fraudsters.

At the very least, you can ask a second representative of AMEX for their advice. 

born_again

Before you stop your card. Are there any family members who have your card in their account or friends where you have bought something via their account? As when a card expires on Amazon if you have another live card Prime will just default to that card.
It's amazing how many people get caught out with this.

Maybe go back to Amazon with any known email addresses & check. While they will not give you names, they will give a yes/no if you mention emails.

In reality there is no benefit to a fraudster signing up to prime. 

kaMelo

As it's AmEx who are on the hook for fraudulent transactions, if they are saying there's no need to cancel the card then, even though it seems unusual, so be it but I'd definitely keep a close eye on your statements. Maybe they will change their mind if there is a sudden raft of unauthorised transactions that they have to cover.

FeaturelessVoid

kaMelo said:

As it's AmEx who are on the hook for fraudulent transactions, if they are saying there's no need to cancel the card then, even though it seems unusual, so be it but I'd definitely keep a close eye on your statements. Maybe they will change their mind if there is a sudden raft of unauthorised transactions that they have to cover.

Which is poor advice as it'll cause the OP unnecessary bother.

Just go back to AMEX and inform them that this specific transaction was not authorised by you, despite you having a relationship with the company.

Even a complete imbecile can understand that having a prior relationship with a company doesn't give them carte blanche to raid your card without question.

gt94sss2

I would first login using your account details into Amazon Spain to see if it is showing any legitimate activity 

If not, I would dispute that specific transaction with Amex via telephone.

kaMelo

FeaturelessVoid said:

kaMelo said which the :

As it's AmEx who are on the hook for fraudulent transactions, if they are saying there's no need to cancel the card then, even though it seems unusual, so be it but I'd definitely keep a close eye on your statements. Maybe they will change their mind if there is a sudden raft of unauthorised transactions that they have to cover.

Which is poor advice as it'll cause the OP unnecessary bother.

Just go back to AMEX and inform them that this specific transaction was not authorised by you, despite you having a relationship with the company.

Even a complete imbecile can understand that having a prior relationship with a company doesn't give them carte blanche to raid your card without question.

The OP has done exactly that and will no doubt get any payment refunded by Amex. Whether they cancel the card is up to them, as of yet they're happy not to do so.