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Credit card fraud, will I win?

lionking

In the Peanut Gallery
Joined
Jan 23, 2007
Messages
56,356
Location
Melbourne
I think I will.

Going back over my Amex account I found two transactions, one for accommodation from a company supposedly located in Amsterdam for $3500 and another for a hire car company in London for $500. Both processed within a couple of seconds. I didn’t book anything with these companies and did not receive emails confirming purchases.

I used my card that day to book flights and accommodation with companies I regularly deal with, which went through okay, and I have email confirmations of these transactions. I have the only Amex card (my wife doesn’t have one) and the card has never left my possession.

I had a positive conversation with Amex staff, but their insistence that the transactions will be my problem if they can’t discover fraud worries me.
 
The biggest problem I had with credit card fraud had clearly come from within the issuing company, as not only were there details of my card, PIN and the like involved, but someone clearly knew my spending habits and patterns and mimicked those in a part of the country I've never been to.

I got all my money back...
 
My experience is that cc companies are very good at protecting members from fraud, unless you lose your card and don’t report it. That seems to be the cardinal sin.

I would expect the same or better from Amex, but I don’t recall having fraud issues on my Amex specifically.
 
My experience is that cc companies are very good at protecting members from fraud, unless you lose your card and don’t report it. That seems to be the cardinal sin.

I would expect the same or better from Amex, but I don’t recall having fraud issues on my Amex specifically.
Ditto, no problem with chargeback. Though not with Amex as I've only had those for business.
 
Did you book any flights to or through Amsterdam? My suspicion is someone in your regular companies is illegally sharing your details around.

No bookings at all overseas. I haven’t had the card for long, and these are the only suspicious transactions,
 
I think I will.

Going back over my Amex account I found two transactions, one for accommodation from a company supposedly located in Amsterdam for $3500 and another for a hire car company in London for $500. Both processed within a couple of seconds. I didn’t book anything with these companies and did not receive emails confirming purchases.

I used my card that day to book flights and accommodation with companies I regularly deal with, which went through okay, and I have email confirmations of these transactions. I have the only Amex card (my wife doesn’t have one) and the card has never left my possession.

I had a positive conversation with Amex staff, but their insistence that the transactions will be my problem if they can’t discover fraud worries me.

I cannot speak to Australia, but here in the USA, provided that one reports the credit card fraud within three days of when one discovers the credit card fraud in question, then one is not liable for any of the fraudulent charges.

And, if one does not report the credit card fraud after the three days, then one is only liable for the first $50.00 of the credit card fraud.

But in your case, I would suggest that you scour your credit card agreement to see what it has to say about fraudulent credit card charges.

P.S.: several years ago I had about 3,000 USD worth of credit card fraud, and I did not have to pay any of it because I reported it within the three day window.
 
Likely an error by the booking companies. This isn't a typical fraud pattern.

Amex emails me reports on all "card not present" transactions within seconds of the charge. I also set it up to report large transactions of any type.

Did you get these notifications?
 
No bookings at all overseas. I haven’t had the card for long, and these are the only suspicious transactions,
The other alternative is that someone in your travel company has mixed up or otherwise mishandled credit card details and used your card for someone else's travel payments. If you block payment on those spurious items now, someone else may discover later their travel arrangements have gone quite awry. Not good.

Have you enquired of your travel company exactly what they used your card details to pay for? Advise them they may have made an expensive and embarrassing mistake, and to get this clarified immediately.
 
The other alternative is that someone in your travel company has mixed up or otherwise mishandled credit card details and used your card for someone else's travel payments. If you block payment on those spurious items now, someone else may discover later their travel arrangements have gone quite awry. Not good.

Have you enquired of your travel company exactly what they used your card details to pay for? Advise them they may have made an expensive and embarrassing mistake, and to get this clarified immediately.

I didn’t use a travel company, I booked direct with my airline (and trust them totally) and with the hotel. I called the hotel and they pointed out that they never charge people until they check in, and I’m not staying there until February.
 
Likely an error by the booking companies. This isn't a typical fraud pattern.

Amex emails me reports on all "card not present" transactions within seconds of the charge. I also set it up to report large transactions of any type.

Did you get these notifications?

No notifications like that. Maybe I will now ask for notification of large transactions. I also hope they won’t charge me interest on these amounts…
 
My only experience with Credit Card fraud was with Mastercard via the Commonwealth Bank.

An unexpected charge of $7k appeared on the card.

It was for a CPR training dummy, from a Canadian firm, shipped to China.

Commonwealth Bank immediately closed the account, refunded the card, and issued a new card. I was refunded the full amount and the Canadian firm wore the cost. (No charge was made to me whatsoever.)

As a consequence, the bank also turned on full transaction monitoring for me, so that I get a heads-up via the app as soon as any transaction is processed on any account.

The likely culprit was an employee of a Chinese firm that sold me some sandpaper via ebay.

Good luck with yours.
 
I had a £3,800 charge on my card, the card co. called me as it appeared a little strange for me to buy an e-bike from china. Fully refunded in 3 days, full notifications on any transaction over £250 via email and text going forward.
 
Money repaid in full. Pretty quick turnaround during this season. Thanks for supporting comments from most. Theprestige, your perfect record continues.
 
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