Fraud against a blocked and cancelled card

LozbHunter on 25/10/2018 - 06:39
Last edited 25/10/2018 - 06:40

A bit of a long story…

So have been a fan of the "down down, prices are down" (one of the big grocers with thumbs down) credit card up until a week ago. So what happened was I disputed an unauthorised transaction a month ago which resulted in the card being blocked; cancelled and reissued. That was fine, got a credit against that fraudulent transaction. Last week, i discovered to my horror that another unauthorised transaction was made against that same "blocked" and "cancelled" card. When i called to ask how that is possible, i was told because the highest block hadn't been applied. Anyway, so I lodged a dispute and 6 days later, received a call from a staff from "down down, prices are down" with a rude tone interrogating me as if I was the one committing the fraud!

That aside, I just wanted to know if anyone else has experienced this situation and what did you do?

And if any one who works (worked) at a bank, how is it even possible to commit fraud against a supposedly blocked and cancelled card?

Financial Credit Card

Related Stores

Coles Financial Services
Coles Financial Services

Comments

  • thatonethere on 25/10/2018 - 07:34

    I had an amex once which I cancelled. Six months later I got a statement with a £9 charge from the UK. I rang them to say I cancelled the card - they said too bad still responsible for charges. The charge happened again every month. After a bit of back and forth they refunded the £9 but over about 5 years continued to send me a statement with the fraudulent monthly charge and the refund. I occasionally hassled them on Facebook and Twitter. About a year ago they called it quits and havent heard from them again.

  • ThithLord on 25/10/2018 - 08:35
    +4

    So have been a fan of the "down down, prices are down" (one of the big grocers with thumbs down) credit card up

    Can I ask why you are making a really poor attempt to mask which provider you're referring to? It's blatantly obvious you're talking about Coles. It's not like a Coles representative is going to come across this post and get you in trouble for referring to Coles. Even if you were, half-arsing the name by masking it with "down down, prices are down" isn't going to accomplish anything. It's not masked at all.

    • lgacb08 on 26/10/2018 - 21:57

      reading to much harry potter

  • John Kimble on 25/10/2018 - 08:56

    They already told you they didn't place the highest block on the card. Is that explanation not good enough for you?

    What merchant was the fraudulent transactions processed on? I'm guessing some sort of subscription service you signed up for and forgot or are trying to weasel out of.

    • Quantumcat on 25/10/2018 - 10:05
      +1

      What is the point of the second-highest block, it seems to have no useful effect?

  • tomsco on 25/10/2018 - 10:19
    +1

    Were they actually "interrogating" you? Or were they were asking further questions so they could get a better picture.

    If they were actually rude and accusatory, put in a complaint. They are a big business and would provide customer service training, but if one rogue rep decides to be an a hole, they may not identify it if you don't advise them. You may not get closure, you may not get a credit to your account, but they will investigate and give the guy a talking to if he crossed a line.

  • pjetson on 25/10/2018 - 13:01

    And if any one who works (worked) at a bank, how is it even possible to commit fraud against a supposedly blocked and cancelled card?

    I once had American Express chase me because a company that I had dealt with years before decided to take money from a card that had been long cancelled. I told them that if they chose to pay out on a closed account, it was their problem, not mine.

    For some transactions, banks have a "pay now, ask questions later" system. Direct debits, for example, are treated like that. Basically, the bank will pay out whatever a business with a direct debit authority asks for, even if that would reduce your balance past zero.

    Basically, banks and businesses can do whatever they want, and we get to clean up the mess - we're at the bottom of the food chain. Why would you think the world works any other way?

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