Unauthorized charge

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Complaint

0
Gabrielle
Country: United States
I have an unauthorized charge on my debit card from them and I called in to dispute this issue, he pulled up all the information found that my card was charged on an account that was not mine (it was a family members) and I’m not sure how they had my card info. I didn’t know my family members amazon email so he told me he couldn’t refund the charge unless I got the proper information but that he had the ability to refund my card. Regardless of who’s account it is it’s an unauthorized charge and they are not reversing it.

Comments

  • 0
    Please clarify..
    Did you call your bank to dispute, or did you call some number on your statement to dispute?
  • +1
    YOU didn't authorize..
    | 1 reply
    Always dispute unauthorized charges THROUGH YOUR BANK, and BLOCK the card number immediately.
    Bank disputes must be within 60 days of the statement date of the statement showing the disputed charge for your bank to reverse it.Follow up IN WRITING, with a written dispute to the dispute address from your statement, mailed certified, to preserve your FRB Reg. E dispute rights.
    • +1
      Warning.. replies to YOU didn't authorize..
      With debit card charges, federal law on disputes may require very prompt notification of the bank, or you could be stuck with charges, or a portion of them, at least if you have lost your card.  VISA and MasterCard both have their own "zero fraud loss" terms, but there are some limitations.  It is generally safer to use credit cards rather than debit cards, due to less fraud exposure.  In fact, it's best not to even have any activated debit cards.
  • +1
    If you disputed through some merchant..
    If the charge is connected with someone else's account, and you didn't authorize use of your card, there are several possible causes.
    1)  It's possible that a family member might have used your card number, it's also possible someone stole your card number.
    2)  It's possible someone opened an account to make fraudulent charges.  If they had some identity information, such as your CC billing address, they might have enough to get away with it, shipping stuff to some other address, or even just "buying" intangible stuff like music or video downloads.
    3)  There are some sleazy merchants and debt collectors who have been known to obtain CC information and use it to establish a fraudulent account through which they fabricate "orders" and charge consumers.  Most common with "magazine subscription" scams, cramming scams, and "debt collectors" collecting on bogus "debt", possibly using "sucker lists" of unsophisticated consumers.

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