Son used my credit card without permission, even after card replaced

NoodleDoodleMan

GeoffTF said:

NoodleDoodleMan said:

Can the OP not freeze the card to prevent any further use until the issue is fully resolved to her satisfaction ?

If cancelling the card did not work, freezing it is not likely to work either.

It will stop all debit transactions until the freeze is unlocked.

That doesn't address the card closure/replacement issue though.

Emily_Joy

born_again said:

GeoffTF said:

NoodleDoodleMan said:

Can the OP not freeze the card to prevent any further use until the issue is fully resolved to her satisfaction ?

If cancelling the card did not work, freezing it is not likely to work either.

Freezing card will, as you are stopping all payments via that card.

Cancelling card (depending on how its done) will see either card replaced with one with the same 16 numbers, or if reported lost & stolen new 16 numbers, but where CPA are concerned. Retailers can get the new number via the Visa/Mastercard systems.

If the credit account is closed and no replacement card is issued/requested, would that not stop the problem? Hopefully retailers don't have powers to re-open the account?

born_again

Emily_Joy said:

born_again said:

GeoffTF said:

NoodleDoodleMan said:

Can the OP not freeze the card to prevent any further use until the issue is fully resolved to her satisfaction ?

If cancelling the card did not work, freezing it is not likely to work either.

Freezing card will, as you are stopping all payments via that card.

Cancelling card (depending on how its done) will see either card replaced with one with the same 16 numbers, or if reported lost & stolen new 16 numbers, but where CPA are concerned. Retailers can get the new number via the Visa/Mastercard systems.

If the credit account is closed and no replacement card is issued/requested, would that not stop the problem? Hopefully retailers don't have powers to re-open the account?

Not always as a CPA can force the banks to reopen the account. As a CPA does not require authorisation. So it comes through to internal account's.

etienneg

https://www.fca.org.uk/news/news-stories/continuous-payment-authorities-it-your-right-cancel

The FCA says that you have the right to cancel a CPA with the card provider.

ChargebackCharlie

born_again said:

Emily_Joy said:

born_again said:

GeoffTF said:

NoodleDoodleMan said:

Can the OP not freeze the card to prevent any further use until the issue is fully resolved to her satisfaction ?

If cancelling the card did not work, freezing it is not likely to work either.

Freezing card will, as you are stopping all payments via that card.

Cancelling card (depending on how its done) will see either card replaced with one with the same 16 numbers, or if reported lost & stolen new 16 numbers, but where CPA are concerned. Retailers can get the new number via the Visa/Mastercard systems.

If the credit account is closed and no replacement card is issued/requested, would that not stop the problem? Hopefully retailers don't have powers to re-open the account?

Not always as a CPA can force the banks to reopen the account. As a CPA does not require authorisation. So it comes through to internal account's.

What a load of rubbish.

A CPA does require authorisation from the card issuer. It will be declined if there is insufficient funds in the account and if they post a transaction to a closed account without authorisation, the bank will usually raise a chargeback for no authorisation.

grumpy_codger

ChargebackCharlie said:

born_again said:

Emily_Joy said:

born_again said:

GeoffTF said:

NoodleDoodleMan said:

Can the OP not freeze the card to prevent any further use until the issue is fully resolved to her satisfaction ?

If cancelling the card did not work, freezing it is not likely to work either.

Freezing card will, as you are stopping all payments via that card.

Cancelling card (depending on how its done) will see either card replaced with one with the same 16 numbers, or if reported lost & stolen new 16 numbers, but where CPA are concerned. Retailers can get the new number via the Visa/Mastercard systems.

If the credit account is closed and no replacement card is issued/requested, would that not stop the problem? Hopefully retailers don't have powers to re-open the account?

Not always as a CPA can force the banks to reopen the account. As a CPA does not require authorisation. So it comes through to internal account's.

What a load of rubbish.

A CPA does require authorisation from the card issuer. It will be declined if there is insufficient funds in the account and if they post a transaction to a closed account without authorisation, the bank will usually raise a chargeback for no authorisation.

I think it's the card holder who authorises  a transaction, not the issuer.

For a CPA it's one-off authorisation at the start, not for every single transaction.

If the card holder authorised a CPA and never cancelled it with the supplier, I don't see any grounds for chargeback, but the card issuer can decline all future transactions if the customer requests this.

born_again

ChargebackCharlie said:

born_again said:

Emily_Joy said:

born_again said:

GeoffTF said:

NoodleDoodleMan said:

Can the OP not freeze the card to prevent any further use until the issue is fully resolved to her satisfaction ?

If cancelling the card did not work, freezing it is not likely to work either.

Freezing card will, as you are stopping all payments via that card.

Cancelling card (depending on how its done) will see either card replaced with one with the same 16 numbers, or if reported lost & stolen new 16 numbers, but where CPA are concerned. Retailers can get the new number via the Visa/Mastercard systems.

If the credit account is closed and no replacement card is issued/requested, would that not stop the problem? Hopefully retailers don't have powers to re-open the account?

Not always as a CPA can force the banks to reopen the account. As a CPA does not require authorisation. So it comes through to internal account's.

What a load of rubbish.

A CPA does require authorisation from the card issuer. It will be declined if there is insufficient funds in the account and if they post a transaction to a closed account without authorisation, the bank will usually raise a chargeback for no authorisation.

A CPA goes straight through.
I've seen CPA go through years after a card has been stopped, well passed expiry date. Yes it can be charged back, but they still come through. If it is seen as a regular payment on the card, it is fair game to pass to customer. If they have never disputed the payment before.

ChargebackCharlie

born_again said:

ChargebackCharlie said:

born_again said:

Emily_Joy said:

born_again said:

GeoffTF said:

NoodleDoodleMan said:

Can the OP not freeze the card to prevent any further use until the issue is fully resolved to her satisfaction ?

If cancelling the card did not work, freezing it is not likely to work either.

Freezing card will, as you are stopping all payments via that card.

Cancelling card (depending on how its done) will see either card replaced with one with the same 16 numbers, or if reported lost & stolen new 16 numbers, but where CPA are concerned. Retailers can get the new number via the Visa/Mastercard systems.

If the credit account is closed and no replacement card is issued/requested, would that not stop the problem? Hopefully retailers don't have powers to re-open the account?

Not always as a CPA can force the banks to reopen the account. As a CPA does not require authorisation. So it comes through to internal account's.

What a load of rubbish.

A CPA does require authorisation from the card issuer. It will be declined if there is insufficient funds in the account and if they post a transaction to a closed account without authorisation, the bank will usually raise a chargeback for no authorisation.

A CPA goes straight through.
I've seen CPA go through years after a card has been stopped, well passed expiry date. Yes it can be charged back, but they still come through. If it is seen as a regular payment on the card, it is fair game to pass to customer. If they have never disputed the payment before.

Any transaction can be posted by a merchant without authorisation from the card issuer, it has nothing to do with the transaction relating to a CPA. All transactions require authorisation and if valid authorisation is not sought, then the merchant should expect to receive a chargeback when the card issuer cannot honour the transaction.

Issuing banks are expected to honour all card transactions made to a valid card, but an expired or cancelled card is no longer valid and a transaction posted without authorisation from the card issuing bank is done so with full liability to the merchant. If the subscription is for a physical product like the meal plans, for example, the merchant could be out of pocket for the value of the package sent out to their customer, if they didn't seek card issuer authorisation.

R_P_W

So there are three parties involved here. You, your son and the credit card company. Two of you are in the wrong and one of them isn’t the credit card company.

You made the first error when sharing your card details with someone else to use. I don’t think anyone would say that is a sensible thing to do. You are responsible for that card and any expenditure unless it is lost/stolen and you inform them of such in a timely manner.

your son has made the second mistake by continuing to use a card that wasn’t his. I don’t know under what,circumstances you said he could use it, but again it’s your responsibility