topic Re: Blispay can go to ____ in Credit Cards

Blispay can go to ____

Creditplz — Fri, 09 Dec 2016 22:53:35 GMT

Soooo today I had someone charge $821 in Indiana (I'm in SoCal) and I called blispay! The helpful fraud specialist told me "we need you to fax us two forums of ID and a utility bill to verify you and proceed"....... Seriously...

I'm at a loss for words... I can truly say from my experiences with Blispay they are to level with FPB.

Re: Blispay can go to ____

Anonymous — Fri, 09 Dec 2016 23:04:25 GMT

Officially they do not have to honor fraudelent purchase disputes over the phone. They can require you to physically mail in the dispute documents. With the fraud claim on your account they are likely being cautious...

Re: Blispay can go to ____

NRB525 — Fri, 09 Dec 2016 23:51:18 GMT

Sorry to hear OP, getting fraudulent charges is not fun. I've had a couple of issues over the years, though nothing significant value and all handled by the bank.

You have to look at it from the perspective of the bank. This person is calling in claiming they have an account, and the account has been compromized, and can the bank please put a hold on the account and issue a new card, and please send it to the address I ask you to send it to. In order for the bank to ensure this stream of information is legitimate, let's verify the identity of the person calling us. It's for your own protection.

My experience with Chase has been that they texted me and emailed, and my reply to those inquiries, since they went to known email address and cell phone, were accepted as confirmation that the charges were fraudlent. They then took quick action to shut down the account.

Other text inquiries I have gotten from AMEX and another bank (can't recall if CapOne or Discover) were based on them wanting me to confirm charges were mine. The text confirmation assured them and kept the cards active with no hiccups.

Re: Blispay can go to ____

Coolermaster007 — Sat, 10 Dec 2016 01:48:27 GMT

Nah come on now this is BS you call then about a possible fraud & the 1st thing they tell you is send your id & bills why u still have this card open ?

Re: Blispay can go to ____

azguy13 — Sat, 10 Dec 2016 02:13:20 GMT

This would be exactly what I would expect a bank to do in the event of issuing a new card. I would hope they verify I am who I am. This is like people getting upset that the cashier at the grocery store asks for ID when you hand over the credit card. It's for your protection.

Re: Blispay can go to ____

wasCB14 — Sat, 10 Dec 2016 02:35:34 GMT

@azguy13 wrote:
This would be exactly what I would expect a bank to do in the event of issuing a new card. I would hope they verify I am who I am. This is like people getting upset that the cashier at the grocery store asks for ID when you hand over the credit card. It's for your protection.

But why wait until then to verify ID and address? If an issuer has concerns, they should just request that stuff as part of the application process. Once someone is an established customer, any fraud should be resolved quickly.

Re: Blispay can go to ____

azguy13 — Sat, 10 Dec 2016 02:41:49 GMT

@wasCB14 wrote:
@azguy13 wrote:
This would be exactly what I would expect a bank to do in the event of issuing a new card. I would hope they verify I am who I am. This is like people getting upset that the cashier at the grocery store asks for ID when you hand over the credit card. It's for your protection.
But why wait until then to verify ID and address? If an issuer has concerns, they should just request that stuff as part of the application process. Once someone is an established customer, any fraud should be resolved quickly.

So because they didn't ask for it initially they shouldn't ask for it ever?

Someone can easily get your SSN and account info and try and request a new card on an active account. This way, they must prove via ID and something like a utility bill that they are who they say they are. Faxing a copy of an ID and utility bill really is not that strenuous and time consuming.

Re: Blispay can go to ____

Coolermaster007 — Sat, 10 Dec 2016 02:46:27 GMT

Not even Sir. Rest assured you're not resposible for those charges ? Verify you over the phone , shut down the account send a new card Blisplay just like to harass ppl with id & bills even if it's to just denied your application lol

Re: Blispay can go to ____

Coolermaster007 — Sat, 10 Dec 2016 02:49:45 GMT

I cant get access to a fax &/or id , bill for a few days wish me luck ! LOL

Re: Blispay can go to ____

azguy13 — Sat, 10 Dec 2016 02:53:16 GMT

@Coolermaster007 wrote:
I cant get access to a fax &/or id , bill for a few days wish me luck ! LOL

You don't have ID or a bill?

Oh well, OP can always just get it taken care of and then close the account. It doesn't seem like a neccessity at all.

Re: Blispay can go to ____

Coolermaster007 — Sat, 10 Dec 2016 03:04:26 GMT

Thats not the point it should get shut down immediately you sound like my boss he installed new cameras at work then said its for your protection should i belive him ? Yea right lol

Re: Blispay can go to ____

azguy13 — Sat, 10 Dec 2016 03:09:08 GMT

@Coolermaster007 wrote:
Thats not the point it should get shut down immediately you sound like my boss he installed new cameras at work then said its for your protection should i belive him ? Yea right lol

Haha, I would imagine the cameras are not just for your protection

It seems like the smart way to go about it would be for Blispay to suspend the account immediately and then upon verification send the new account info to the address on file. But then again, that may make too much sense

Re: Blispay can go to ____

Creditplz — Sat, 10 Dec 2016 03:09:42 GMT

I've sent them my ID and bank statements before... now this... idk I've had fraud on one other card in my life (NFCU) and they issued me a free one overnight, and issued me a temporary credit while they investigated that is how I expected it to be handled like true professionals, I could understand them asking me questions like previous address, name of employer etc...

Re: Blispay can go to ____

Coolermaster007 — Sat, 10 Dec 2016 03:19:00 GMT

Creditplz thats exacly how it should be & no less.

Re: Blispay can go to ____

Creditplz — Mon, 12 Dec 2016 21:53:04 GMT

Sent the documentation over on 9/9 and called to confirm they received in on 9/10 which they did! i was told to wait 24-36 hours for a call from their fraud dept.... still no new card issued or fraud filed

Re: Blispay can go to ____

Creditplz — Tue, 13 Dec 2016 00:03:04 GMT

Got tired of waiting and called fraud department today... they told me "since these transactions have already posted we have to get you over to our fraud dispute representatives" this is a joke

Re: Blispay can go to ____

Creditplz — Tue, 13 Dec 2016 04:28:25 GMT

Finalllllly... got a new card issued just now and I was told the charges will stay there until I sign a letter of acknowledgement then I'll be issued a credit to my account should take 7-10 days.. ! The representative that finally assisted me told me sorry 100 times for their "flawed practices".

Re: Blispay can go to ____

wasCB14 — Tue, 13 Dec 2016 04:40:13 GMT

@Creditplz wrote:
Finalllllly... got a new card issued just now and I was told the charges will stay there until I sign a letter of acknowledgement then I'll be issued a credit to my account should take 7-10 days.. ! The representative that finally assisted me told me sorry 100 times for their "flawed practices".

Three days and a few hours...that is a disturbingly long time...and they didn't even credit you immediately.

Re: Blispay can go to ____

Creditplz — Tue, 13 Dec 2016 05:34:12 GMT

At first she was grilling me about "why wasn't this reported immediately once your account was compromised" then i told her because her company wouldn't allow me to report it... and she helped me, kinda ticked off that I have to wait 7-10 days to receive a paper and 7-10 more days to get credited.. which I'm sure will report the balance

Re: Blispay can go to ____

red259 — Tue, 13 Dec 2016 18:34:36 GMT

@Creditplz wrote:
At first she was grilling me about "why wasn't this reported immediately once your account was compromised" then i told her because her company wouldn't allow me to report it... and she helped me, kinda ticked off that I have to wait 7-10 days to receive a paper and 7-10 more days to get credited.. which I'm sure will report the balance

Heh. No way am I dealing with this company. Never heard of such nonsense on a fraud before. The least they could have done is taken immediate action and then requested documentation in follow-up which is what most lenders will do.