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Message
re: Credit card fraud - options?
Posted on 11/19/19 at 12:54 pm to PearlJam
Posted on 11/19/19 at 12:54 pm to PearlJam
I was surprised they denied them too. The letter said they denied the claim because the charges were “verified with your credentials.” Not sure what credentials they are referring to. One of the charges is the night we were at a wedding together. We are going to try calling the vendors as welll as Visa.
1
Posted on 11/19/19 at 12:54 pm to Heyjude
quote:
Heyjude
Heyjude, thanks for signing up to help out OP's pops.
quote:
Member since Nov 2019
This post was edited on 11/19/19 at 12:56 pm
Posted on 11/19/19 at 12:55 pm to BruceJender
quote:
verified with your credentials
Likely means the PIN was used, but could refer to signature and/or ID check.
This post was edited on 11/19/19 at 12:56 pm
Posted on 11/19/19 at 12:56 pm to PearlJam
quote:
Likely means the PIN was used.
Yeah, someone had a physical card and was using it "properly".
Posted on 11/19/19 at 12:57 pm to BruceJender
Write letters. Phone calls didn’t happen if you ever get in a pinch.
Posted on 11/19/19 at 12:58 pm to Heyjude
Thanks Jude, we’ll be asking to see what proof they have. I’m intrigued.
Posted on 11/19/19 at 1:08 pm to PearlJam
quote:
Generally Visa and MC branded debit cards have the same or similar fraud protections as the credit cards.
Not even close.
Also hard to believe Pops couldn’t get ANYONE at regions on the phone for a week.
Posted on 11/19/19 at 1:16 pm to BruceJender
That's strange that the bank denied his claim, unless something else is going on that you're not aware of. If I were him, I'd go to my local branch and speak with the branch manager. If they can't help fix the problem, get in touch with the division manager. Managers don't like customer complaints, especially division managers, and will get in touch with whoever is in charge of the fraud department to see what is going on.
Posted on 11/19/19 at 1:20 pm to boxcarbarney
When I worked at the bank, I had a customer contact me about some strange charges on her card. I investigated it and found out that the charges were for Rick's Cabaret.
Some strip club's merchant services show up as something other than the name of club. I guess its so people don't have Larry Flynt's Barely Legal showing up on their statements.
Anyway, seeing that the charges were for a strip club, I knew I had to follow the rules of Man Law. I called her husband. "Look man, your wife is calling me about these charges, and it turns out that they're for Rick's. How do you want me to handle this?"
"I'll take care of it," he replied.
I don't know what he told her, but I never heard from her again about these charges.
Some strip club's merchant services show up as something other than the name of club. I guess its so people don't have Larry Flynt's Barely Legal showing up on their statements.
Anyway, seeing that the charges were for a strip club, I knew I had to follow the rules of Man Law. I called her husband. "Look man, your wife is calling me about these charges, and it turns out that they're for Rick's. How do you want me to handle this?"
"I'll take care of it," he replied.
I don't know what he told her, but I never heard from her again about these charges.
Posted on 11/19/19 at 1:23 pm to PuntBamaPunt
They don’t have individual bank numbers online. It’s some bullshite routing system, and every time he would get to the fraud section, it would say “we’re experiencing difficulties.”
Posted on 11/19/19 at 1:57 pm to BruceJender
How's pop going to explain this, though?
Posted on 11/19/19 at 1:59 pm to BruceJender
quote:yeah, Regions phone server system is worthless. I had to go to my local branch just to get the branch phone number.. you and your dad need to set up an appointment with your local branch manager and go from there. Don’t be afraid to escalate the matter.
They don’t have individual bank numbers online. It’s some bullshite routing system, and every time he would get to the fraud section, it would say “we’re experiencing difficulties.”
Posted on 11/19/19 at 2:55 pm to BruceJender
Sounds like your dad partied hard and kept the car clean before, during, and after said partying. Which “nightclub” is his church of choice?
Posted on 11/19/19 at 3:22 pm to BruceJender
Sounds to me like your dad went to Walkons got black out drunk. Then went to some night club and doesn’t remember what happened
Posted on 11/19/19 at 3:34 pm to BruceJender
I HAD A FIDELITY DEBIT CARD THAT WAS STOLEN WHILE OVERSEAS. called THEM AND ALL DEBT WAS REMOVED. ON CREDIT CARDS I TRAVEL A LOT SO I SET MY CARDS SO ANY PURCHASE OVER $250 GETS A TEXT TO ME TO CONFIRM THE PURCHASE. IT IS A LITTLE PAIN FOR THE SALES CLERK AS THE CARD INITIALY SAYS DECLINED.
NOTE: TYPED WITH CAPS LOCK ON. TOO LAZY TO RETYPE. DEAL WITH IT.
NOTE: TYPED WITH CAPS LOCK ON. TOO LAZY TO RETYPE. DEAL WITH IT.
Posted on 11/19/19 at 4:02 pm to BruceJender
quote:
Dont use a debit card.
LINK
You might have some protections if he sends a written letter detailing why it is fraud. However, you are not protected like a credit card.
quote:
If your credit, ATM, or debit card is lost or stolen, federal law limits your liability for unauthorized charges. Your protection against unauthorized charges depends on the type of card — and when you report the loss.
[/url] This post was edited on 11/19/19 at 4:04 pm
Posted on 11/19/19 at 4:28 pm to PuntBamaPunt
quote:
Not even close
Really?
quote:
If your Visa Debit card is lost or stolen and fraudulent activity occurs, you are protected by Visa's Zero Liability Policy. That means 100 percent protection for you. Whether purchases occur online or off, you pay nothing for fraudulent activity.
Posted on 11/19/19 at 4:59 pm to BruceJender
Change banks. Most banks would refund debit card transactions if there is no history of abuse
Posted on 11/19/19 at 5:03 pm to BruceJender
you got busted going to the strip club huh? Using your card for that hour long dance was a rookie move
This post was edited on 11/19/19 at 5:04 pm
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