Posts by Michael White13

George Barrett35 said:Look, this is a bit of a mess. Typically, these kinds of disputes don't fly. For these charges to happen, someone either had to have the physical card in their hand or they managed to snag the details during one of your previous online purchases. Since there’s no way to distinguish between legitimate spending and these fraudulent hits, your only real move is to appeal to their sense of basic decency, though let's be honest—that’s rarely enough to get Chase to just hand over $2000.

It sounds harsh, but about 99% of what people call "skimming" or card fraud actually turns out to be family members who had access to the card.

Well, it’s beyond tricky... But look, I live alone—I'm the only one in the house, so nobody else has ever had, or even could have had, access to my card. Besides, all these transactions happened in England—someone was buying plane tickets, train tickets, booking hotels... And that's exactly what's eating at me. I noticed the charges the very same day, or at most the day after they hit, and I reported them immediately. It’s just incomprehensible to me that an investigation can't figure out whose name is on the ticket or whose name is on the hotel reservation, because clearly, *someone* had to use them. That’s the part that really gets under my skin. Because even if they didn't leave me footing this ridiculous bill, they'd likely catch the perpetrator. Shouldn't it be simple? The point of sale should just be able to tell the bank the name registered to the ticket or the person who checked into the hotel room. Honestly, it feels like nobody is actually conducting a real investigation; it feels like the claims department is just waiting out an absurd four-month period so they can easily wave it off and tell me I'm stuck with the bill.

Hey everyone,

I’m posting this because I had a pretty lousy experience recently, and I’m hoping someone here who’s dealt with similar nonsense might have some actual advice to offer.

So, basically, one day—totally out of nowhere—I noticed some weird transactions popping up on my Visa through my Chase online banking. I hadn't lost the card, it wasn't stolen, nothing. I did exactly what you're supposed to do: reported it immediately, blocked the card, and filed a dispute for those charges (there were more than $2000 of them). They were all online transactions in GBP from God knows where.

The thing is, I’ve always been super careful with my card—following every security rule in the book, never losing it, never handing it off to anyone. Since everything was in pounds, I honestly thought there was no way Chase wouldn't honor the claim. I’ve been a loyal customer for years, paying every bill on time, and I've never had anything like this happen. But then, four months later, they come back and tell me they aren't accepting my dispute. Their excuse? Apparently, because I used the card for online purchases before—specifically with Delta Air Lines—they're blaming me somehow. Now they want me to pay the full amount, plus interest and late fees for the four months they spent being totally incapable of investigating a massive security loophole...

I’m at a loss here. Is it even worth hiring a lawyer? Or should I just cut my losses and let the thieves over at Chase bleed me dry?