What to do when the fraud squad sides with the fraudster? [Amex]

financehelp23

Hi, did you resolve it? I got the same issues. Supplier charged me subscriptions continuously with a email domain do not recognise and I can not even login in to cancel them. The scam asked me ID on order to stop and close it. I put dispute with Amex, but they asked me to wait. I worried continue charges and no refund. Thanks  

B0bbyEwing

financehelp23 said:

Hi, did you resolve it? I got the same issues. Supplier charged me subscriptions continuously with a email domain do not recognise and I can not even login in to cancel them. The scam asked me ID on order to stop and close it. I put dispute with Amex, but they asked me to wait. I worried continue charges and no refund. Thanks  

No it's ongoing so no resolution yet.

If you're worried about continued billing then just order Amex to stop the payments & request a new card to be issued.

What I did was also contact the merchant directly & report misuse. 

And from my experience, Amex will just try and stall you.

Marchitiello

A common fraud happening from the Americas recently is that once they obtained your card number (often through cashpoints) they set up continuous payments authority  payments which you need to specifically ask to stop, as card cancellation by itself won’t 

booneruk

Marchitiello said:

A common fraud happening from the Americas recently is that once they obtained your card number (often through cashpoints) they set up continuous payments authority  payments which you need to specifically ask to stop, as card cancellation by itself won’t 

Doesn't sound a particularly good idea for a merchant to set up CPAs against illegally obtained credit card numbers. How long would such a merchant last before the plod knocks down their door (even if overseas)? I'd also imagine a known rogue merchant doing this would leave you a very simple route to be refunded.

born_again

booneruk said:

Marchitiello said:

A common fraud happening from the Americas recently is that once they obtained your card number (often through cashpoints) they set up continuous payments authority  payments which you need to specifically ask to stop, as card cancellation by itself won’t 

Doesn't sound a particularly good idea for a merchant to set up CPAs against illegally obtained credit card numbers. How long would such a merchant last before the plod knocks down their door (even if overseas)? I'd also imagine a known rogue merchant doing this would leave you a very simple route to be refunded.

How do you think plod in another country is going to do anything.

Having a card number means retailer can process the payment. But they may not have any email/physical address details which allows card holder to confirm fraud.

booneruk

born_again said:

booneruk said:

Marchitiello said:

A common fraud happening from the Americas recently is that once they obtained your card number (often through cashpoints) they set up continuous payments authority  payments which you need to specifically ask to stop, as card cancellation by itself won’t 

Doesn't sound a particularly good idea for a merchant to set up CPAs against illegally obtained credit card numbers. How long would such a merchant last before the plod knocks down their door (even if overseas)? I'd also imagine a known rogue merchant doing this would leave you a very simple route to be refunded.

How do you think plod in another country is going to do anything.

Having a card number means retailer can process the payment. But they may not have any email/physical address details which allows card holder to confirm fraud.

Visa/Mastercard are told about a merchant applying CPAs to stolen credit card numbers. Visa/Mastercard talk to the authorities in said country and hey presto?

eskbanker

born_again said:

How do you think plod in another country is going to do anything.

Totally off-topic but that phrase puts me in mind of an old episode of 'Minder', where Arthur Daley was somewhere in Europe and one of his familiar UK law enforcement nemeses appeared, to be greeted with "oh no, it's Interplod"! 

born_again

booneruk said:

Visa/Mastercard are told about a merchant applying CPAs to stolen credit card numbers. Visa/Mastercard talk to the authorities in said country and hey presto?

Visa/Mastercard do not talk to the police.
Why do you think the retailer is complicit in this? They are just a innocent party being defrauded, same as card holder.

The worst Visa/Mastercard would do to a retailer, is put them on the naughty list, which means they can not contest chargebacks & is so rare I have only ever known a couple of companies being put on the list in many years.

booneruk

Maybe I've followed a tangent on this thread, but I was replying to a post about CPAs being set up against stolen credit card numbers.

Visa/Mastercard do not talk to the police.

Maybe I'm a touch ignorant, but surely they'd report merchants using their services to commit crime? Or would they just remove services from them and move on?

born_again said:

Why do you think the retailer is complicit in this? They are just a innocent party being defrauded, same as card holder.

Only merchants can set up CPAs, right? Joe Bloggs can't just take a credit card number and set up a CPA into a personal account. 

Marchitiello

booneruk said:

Marchitiello said:

A common fraud happening from the Americas recently is that once they obtained your card number (often through cashpoints) they set up continuous payments authority  payments which you need to specifically ask to stop, as card cancellation by itself won’t 

Doesn't sound a particularly good idea for a merchant to set up CPAs against illegally obtained credit card numbers. How long would such a merchant last before the plod knocks down their door (even if overseas)? I'd also imagine a known rogue merchant doing this would leave you a very simple route to be refunded.

Simple Google search will show you this happening indeed, often against Google / or similar advert sites.. my debit card was compromised in a South American country last year (the only time I ever used it) and 3 months later several CPa were set up against it.. same merchant appeared on similar case that came up on a google search i did at the time.. I have been refunded to the last penny, but this does not mean that it does not happen