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Started By
Message
Credit card fraud - options?
Posted on 11/19/19 at 12:38 pm
Posted on 11/19/19 at 12:38 pm
Good afternoon OT, I need some help getting some money back.
My father uses Regions bank. A few weeks ago on a Monday, he notices fraudulent activity on his debit card since Friday. Charges were things like $500 at Walkons, 1,000 at a night club, and then some microtransactions at random car washes, McDonald’s, etc all over the city. All in all about $2,000. He tries contacting Regions by phone for 5 days while he is on a business trip to no avail. Can not get a hold of anyone. Their hotlines all go to the same broken number. He finally has to file a complaint IN PERSON to get someone to look into this. Two weeks later, they deny the claim, saying this all checks out.
What are options going forward to get the money back? We will be closing all accounts with them and taking our money elsewhere no matter the outcome after this shitshow. TIA
My father uses Regions bank. A few weeks ago on a Monday, he notices fraudulent activity on his debit card since Friday. Charges were things like $500 at Walkons, 1,000 at a night club, and then some microtransactions at random car washes, McDonald’s, etc all over the city. All in all about $2,000. He tries contacting Regions by phone for 5 days while he is on a business trip to no avail. Can not get a hold of anyone. Their hotlines all go to the same broken number. He finally has to file a complaint IN PERSON to get someone to look into this. Two weeks later, they deny the claim, saying this all checks out.
What are options going forward to get the money back? We will be closing all accounts with them and taking our money elsewhere no matter the outcome after this shitshow. TIA
23
Posted on 11/19/19 at 12:39 pm to BruceJender
Dont use a debit card.
Credit card only.
Debit card is only for ATM
Credit card only.
Debit card is only for ATM
This post was edited on 11/19/19 at 12:40 pm
Posted on 11/19/19 at 12:39 pm to BruceJender
Do not use a debit card period.
Posted on 11/19/19 at 12:41 pm to BruceJender
Debit cards offer no protection.
Same as him dropping cash at all those locations.
Same as him dropping cash at all those locations.
Posted on 11/19/19 at 12:41 pm to BruceJender
Is the debit card not associated with Visa or MasterCard?
Posted on 11/19/19 at 12:41 pm to BruceJender
Make a police report
Go to BBB if Regions cannot tell him how this all checks out.
Profit, literally.
Go to BBB if Regions cannot tell him how this all checks out.
Profit, literally.
Posted on 11/19/19 at 12:41 pm to SECdragonmaster
quote:Not true.
Debit cards offer no protection.
Same as him dropping cash at all those locations.
Posted on 11/19/19 at 12:42 pm to BruceJender
quote:1) Lawyer up.
What are options going forward to get the money back?
2) Call a local TV station.
Posted on 11/19/19 at 12:43 pm to PearlJam
The debit card is a Visa. Should we file a claim with them? I had my Chase debit card compromised about two years ago and got everything back. I don’t understand why this is so difficult with them.
Posted on 11/19/19 at 12:44 pm to BruceJender
Generally Visa and MC branded debit cards have the same or similar fraud protections as the credit cards.
Posted on 11/19/19 at 12:44 pm to BruceJender
Bc Regions bank sucks.
Posted on 11/19/19 at 12:45 pm to BruceJender
Probably just an initial denial as standard practice.
Escalate the claim and it will probably be approved.
Escalate the claim and it will probably be approved.
Posted on 11/19/19 at 12:46 pm to BruceJender
quote:Honestly, I have trouble believing regions denied the claim unless you are leaving out some key information.
The debit card is a Visa
Posted on 11/19/19 at 12:46 pm to BruceJender
quote:
He tries contacting Regions by phone for 5 days while he is on a business trip to no avail. Can not get a hold of anyone. Their hotlines all go to the same broken number. He finally has to file a complaint IN PERSON to get someone to look into this. Two weeks later, they deny the claim, saying this all checks out.
That's weird.
Banks are typically very helpful with card fraud, even debit card fraud.
Posted on 11/19/19 at 12:47 pm to BruceJender
I would:
Contact the vendors and dispute the charges with them.
File a police report and show the bank.
Contact the vendors and dispute the charges with them.
File a police report and show the bank.
Posted on 11/19/19 at 12:49 pm to BruceJender
quote:
Charges were things like $500 at Walkons, 1,000 at a night club, and then some microtransactions at random car washes, McDonald’s, etc all over the city. All in all about $2,000. He tries contacting Regions by phone for 5 days while he is on a business trip to no avail. Can not get a hold of anyone. Their hotlines all go to the same broken number.
This sounds...fishy.
There is a number on the back of the card you should have called.
Posted on 11/19/19 at 12:49 pm to BruceJender
It sounds like your pops is enjoying life more than you. Don't frick up his occasional weekend rendezvous.
Posted on 11/19/19 at 12:52 pm to slackster
quote:Sounds like pops is trying to cover up his weekend get away from ops mom with a story about debit card fraud and business travel.
This sounds...fishy.
Posted on 11/19/19 at 12:52 pm to BruceJender
Since it is a debit card, your transactions may be covered under federal Regulation E. The denial letter should give you a denial reason - the bank is required to complete an investigation and let you know the results. You are entitled to a copy of the documents they relied on to complete the investigation. You should speak to someone in the Card Servicing/Disputes department to get a clear explanation for the denial. They need to have video proof or evidence that the chip was read - something concrete - to deny.
Posted on 11/19/19 at 12:53 pm to TSLG
quote:
It sounds like your pops is enjoying life more than you. Don't frick up his occasional weekend rendezvous.
$500 at Walk-Ons is quite the tab.
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