Credit /Debit card hacked

[CarlC]

I've been hacked multiple times. The last one was on my work credit card for a total of almost $28,000 with most of the purchases in Europe, especially Amsterdam. My joke around work was that I was going to be passing around dime-bags for Christmas.



Eight years ago my wife called as I was driving home and asked if I had spent $5,000 at Unique Furniture in Las Vegas. I assured her that if was going to spend $5k in 'Vegas it was not going to be on furniture. Turns out my neighbor got hacked the same amount on the same day by the same company. We compared bills and the only common purchase we had was at the old Performance Automotive Wholesale in Chatsworth. That's too coincidental. Being the nice guy I informed the CC company of the evidence. They did not care one little bit. That's $10k out of their pocket.

Now here's something that you must absolutely stay on top of concerning CC fraud. There are specific timelines that the CC companies may put into place concerning follow-up and resolution. For example, in the $28k fraud above there was a four month window to make claims and follow up with any disputes concerning their findings. If any of the claims are not resolved or followed up on by that time, the bank can reject your claim. For example, in the fraud there was round one where I had to go through each individual charge (30+) and dispute them. The CC company then refunds your money, but the original vendor can re-charge your credit card claiming that the charges were legitimate. Now you have to go through the whole procedure again. If some of those charges are missed you will be responsible for them if the timeline has been missed. The CC company told me it could take 3-4 months for some of this stuff to clear. For me there was $3,500 still outstanding after four months to the day. I followed up and they stated that it was too late and that I would be responsible. I showed them the paperwork that showed that the dispute was turned in on time. They said too bad, so sad. I told them to pound sand. If you keep diligent records of what you do then it gives you a leg to stand on when your credit gets flagged for not paying your bills as well.

[68Formula]

I've been hacked multiple times. The last one was on my work credit card for a total of almost $28,000 with most of the purchases in Europe, especially Amsterdam.

Have you heard from RoadrageDavid lately? LOL!