JAJA Bully's

1931

I have have with Bank of Ireland Credit Card for over 23 years, initially with £10,000 limit that has gradually grown to £10,600. I have it as my standard payment card, and earn money each month on Purchases. I pay the Outstanding Balance each month online within one hour of receiving the Bank of Ireland Statement. Suddenly Amazon rejected my purchase as JAJA rejected request for payment, and would give Amazon no reason for it. I rang JAJA and was eventually transferred to their Fraud Section, who after 5 minutes put me on hold for 25 minutes, with just a casual "sorry for the delay" when they continued, I confirmed a purchase to Tesco £70 my weekly delivered shopping, then another small purchase, what was not mentioned was the real reason, a Purchase from Harvard Medical Publications on Diverticulosis for $18 which I had missed acknowledging as me, on on a SMA text message, which I later(3 hours) ticked as yes it was me, but after the conversation, when it replied 'hold' had been lifted, it had not been lifted, and still has not been lifted. Not allowed past their Call Centre, who mentioned it can take 2 months to review a case. I have transferred all my Standing Payment Orders to my NatWest Debit Card. I am 91 years old (92 later this month), it has been very annoying. I applied for a Reward Credit Card with NatWest last Thursday online, which was granted and is now on its way to me with a £5,000 pending limit. JAJA have been incredibly insulting, at no time was there any fraud, an unusual purchase of $18 gave them an excuse, to make it clear they don't want me as a customer, as they are not earning enough o my £1,000 average monthly spend.

WillPS

Good on you for voting with your feet. Natwest Reward will also pay you cashback (1% at supermarkets!).

Holdups due to suspected fraud will happen unfortunately - I've had to respond to similar challenges via SMS from Natwest among others. That doesn't excuse the poor service getting it resolved tho.

apw81

Live’s too short. Enjoy your new NatWest card, once it arrives.

It’s normal to question overseas transactions, since a lot of fraud comes from overseas transactions. I don’t know the exact time limits, but it sounds like you were too late to respond to the verification, and by the time you did, the system had already moved on and put your transaction on the suspicious list. None of it is personal, so don’t take it as such; you’d be equally as frustrated if it was the other way around, and it was fraud but your card provider did nothing.