@Anonymous wrote:
@Anonymous wrote:
@UpperNwGuy wrote:I recently experienced fraud on a PenFed debit card. I had to file a police report and submit a notarized affidavit. This is the new process.
A few weeks ago I had a fraud charge on my Fidelity Visa, and I didn't have to do any of that. In my case, the issuer identified the charge as fraudulent (and declined it), I wonder if there is a difference if you are the reporter. UpperNwGuy, did you or Penfed initiate?
I reported a $500 fraud charge on one of my BoA cards and didnt do any of that either. Was on phone for about 2 minutes and charge was reversed
I had a similar experience with Chase. On and off the phone in under 5 mins.
Now that I think about it, even our credit union hasn't handled these situations consistently.
There have been times that Visa fraud prevention suspected a fraudulent transaction and called us to validate.
Most times, when we have said an individual transaction wasn't ours, they've simply cancelled our card and sent a new one with a different number. We don't owe anything for the transaction, and no paperwork was required. This has happened more times than I can count over the last 9 years.
But one time somebody got the number and in one night bought tons of gift cards at gas stations and TVs at Walmart. Over ten thousand dollars. This took place in Las Vegas, yet we live in the Southeastern US. We received a call from Visa fraud prevention services in the morning, just like other calls, but when we said the transactions weren't ours they cancelled the card and said we needed to contact our credit union. Credit union that time made us fill out an affidavit, report to FTC and provide a police report before they would restore the funds to our account.
I'm not sure what made the one situation different than the others. It could be that fraud prevention declined the other transactions, but didn't decline them for the people who went on the Walmart spree. Could be the dollar amount.
FYI, filing a police report wasn't a hassle. They see so much credit card fraud that our local police department now allows you to fill out those reports online.
Sorry you were a fraud victim and hope you can get things squared away very soon.
I have filled these out before. Writing in about the fraud is the only legal way to protect yourself from having to pay the fraud it does not extend to reporting such on the phone
Lets, see if I can be a little clearer:
1. At the beginning of February, Discover sent me a text to verify charges (I think it was just one, but might have been one more?), I
responded not mine. (I had only had the card about three weeks or so). They asked me to call them.
2. I immediately called them,
They asked about specific charges, verified not mine, that I had my card in my purse.
3. They closed account. I had new card/account 24hrs later.
4. I called customer service for something unrelated, the CSR said, "there is a note on my account to ask if I had the card or if I had lost it". I again (2nd time) verified I had the card, never lost it.
4. At least a month later, they called and left a msg to call them. Asked again about if I had lost the card.
5. Three weeks later I get this affadavit in the mail.
They want me to list the fradulent charges. I don't know what they are....I verified not mine when it happened (maybe a sporting goods store?), they closed the account and NEVER sent me a Statement for that account again....so I can't tell them what the charges were, I don't remember what they told me on the phone, but I do know they were definitely not MY charges. I think it was some sporting type thing I'd never heard of before and I don't think they aren't local to here.
I'll call tomorrow to see if I can get the statement with the charges on it. Then I can take that and go online and file a police report and then fill out the affadavit and send it it. I've only had fraudulent charges on my debit/credit card with our credit union and they just close the account, send you a new card and you are done if they call you to verify. If not, we fill out dispute charge form online or in branch and that's it. This is much different.
@gdale6 wrote:I have filled these out before. Writing in about the fraud is the only legal way to protect yourself from having to pay the fraud it does not extend to reporting such on the phone
That makes sense, I responded via text, but I'm guessing they want a bit more than a quick text and phone verification.
@Anonymous wrote:
Filling out an affidavit is somewhat common as well as a police report. I assume the charges went through and then were reversed by Discover? I know you didn't receive a mailed statement but do they show on your online statement?
I can't see the old account online, they closed me out of it.
@AverageJoesCredit wrote:
It's possible if the type of charge is inconsistent with what you normally buy they want some evidence such as police report. OP what were the fraudulent charges ?
So I finally called into Discover and got more information. The charge was for $659.+ at McLogan Supply. The reason they keep asking me about if I have/had the card is because someone tried to use a chip card. Here is what I don't get though, when I asked for a statement that reflected the charge, I was told the charge never made it onto a statement....huh? Does that mean they never actually paid the charge? If so, then why the affadavit etc? Still seems weird to me.
Anyway, the are sending me a new affadavit with the charge listed on it so I can verify that I didn't make the charge. I also asked about the police report and was told that is was not a requirement in this case and to just notate that I didn't file one, but I think I might go ahead and file one, might be a good idea?