Credit Card Fraud ?

[wifi]

What I was trying to indicate, was that the bank said the "chargor" had to agree that the charge was fraudulent, otherwise, I needed to prove I didn't purchase the item or receive the service. To me, this is un-American, I won't prove my innocence.... well, lets not get into that

Most merchants are honest, and as mentioned Amazon whips its associates into shape. I had one that shipped me the wrong item, then denied it, one email to Amazon, and it was straightened up. Just beware if the merchant insists you got what you got charged, to preserve their bottom line, you might have a problem on your hands.

[brk-lnt]

Originally Posted by wifi

What I was trying to indicate, was that the bank said the "chargor" had to agree that the charge was fraudulent, otherwise, I needed to prove I didn't purchase the item or receive the service.

Your experience is very different than most peoples. I've filed a few claims over the years (mostly disputes for wrong charges, or over items that were received damaged/not as described). In every case my cards (Visa, MC, Amex) have given an immediate provisional credit. THEN they contact the merchant, who has to produce proof that my claim is without merit. In every case after about 6-8 weeks the provisional credit became permanent.

I've also been on the other end of this as a merchant, and can tell you that things are heavily biased in the card holders favor.

I'm not disputing what you experienced, but I do think that is very very atypical.

[tis]

Originally Posted by brk-lnt

Your experience is very different than most peoples. I've filed a few claims over the years (mostly disputes for wrong charges, or over items that were received damaged/not as described). In every case my cards (Visa, MC, Amex) have given an immediate provisional credit. THEN they contact the merchant, who has to produce proof that my claim is without merit. In every case after about 6-8 weeks the provisional credit became permanent.

I've also been on the other end of this as a merchant, and can tell you that things are heavily biased in the card holders favor.

I'm not disputing what you experienced, but I do think that is very very atypical.

And it is expensive for the business to have a charge questioned. Last I knew it was 50$ but probably a lot more now.

[brk-lnt]

Originally Posted by tis

And it is expensive for the business to have a charge questioned. Last I knew it was 50$ but probably a lot more now.

It's been a while sinceI had my last business and did any volume of credit card activity, but I don't recall there being a fee associated with the chargebacks. We were mostly bigger ticket items (home theater, etc.), so a $50 fee on a $3000 chargeback wouldn't have been my primary concern

[tis]

Originally Posted by brk-lnt

It's been a while sinceI had my last business and did any volume of credit card activity, but I don't recall there being a fee associated with the chargebacks. We were mostly bigger ticket items (home theater, etc.), so a $50 fee on a $3000 chargeback wouldn't have been my primary concern

Still 50$ can add up if you get a lot of it.

[jsn]

Two kids (young adults) and I have had our bank card numbers( Bank of America) used fraudulently. None of us lost or misplaced our cards. All cards had airline tickets, hotel rooms and even porn on them! The only lead Bank of America could find on one card was that concert tickets had been bought through Live Nation and that is where they suspected the numbers had been hacked from. The other two cards were used for purchases initiating somewhere in Eastern Europe.
Now, each of us has one specific card to use for online business so that if it's stolen it will not result in taking finds from our savings/checking accounts.

[DRH]

Originally Posted by jsn

Two kids (young adults) and I have had our bank card numbers( Bank of America) used fraudulently. None of us lost or misplaced our cards. All cards had airline tickets, hotel rooms and even porn on them! The only lead Bank of America could find on one card was that concert tickets had been bought through Live Nation and that is where they suspected the numbers had been hacked from. The other two cards were used for purchases initiating somewhere in Eastern Europe.
Now, each of us has one specific card to use for online business so that if it's stolen it will not result in taking finds from our savings/checking accounts.

Are the cards you are discussing debit cards or credit cards? If they are credit cards, I suggest you use Bank of America's "ShopSafe" service when ordering anything online. ShopSafe assigns you a different "alias" card number, expiration date, and CCV code for each purchase. You choose the maximum amount that can be charged to each "alias" number and when it will expire. Each purchase using ShopSafe actually posts to your real credit card account, but the vendor at the other end of the transaction never sees your real number. We've been using ShopSafe for several years and it works great.