My Friend Spent $550 on My Credit Card

solidsnake1291 on 04/01/2022 - 10:53
Last edited 04/01/2022 - 13:12 by 1 other user

Hi All,

My credit card was used without my consent for a total value of $550. I noticed the transaction on the app and immediately reported to the bank and they deactivated my card and sent me a new one. I have raised a dispute for fraudulent payment which has not been accepted with a closure statement saying that the transaction was made by Paypass. Is there anything I can do or probably raise it with the regulatory body to broaden my chances of getting it refunded?

Update: Someone borrowed it and I know them but they are not accepting it. At the time the card was used it was with this person only and there is no way they would know what the pin number is. There were two transactions made of total value of $550

Financial

Comments

  • Dack Smith on 05/01/2022 - 16:28
    +4

    Name and shame or this story ain’t true

  • FareEvader on 05/01/2022 - 18:50
    +1

    Surely this is a troll post? It's not the Bank's responsibility when you lent the card to your friend.

  • pollambo on 05/01/2022 - 19:36

    Try returning what your friend purchased on your card.

  • Eeples on 05/01/2022 - 19:44

    Did the someone borrow it without asking?

    • McFly on 05/01/2022 - 20:00
      +3

      OP said "Someone borrowed it…"
      To me that seems like they knew about it, but it's impossible to know because OP probably hasn't got the guts to come back. (Happy to be proven wrong on that last point.)

  • DiscoJango on 05/01/2022 - 19:50
    +10

    Op: lends TP to their friend.
    Op then gets TP back, but with some dudu on it.
    Op tells coles that his TP came with dudu on it. Op omits the part about lending TP to his friend.
    Op asks his friend if they got dudu on the tp, friend said "wasnt me".
    Op posts on ozbargain.

  • djones145 on 05/01/2022 - 20:31
    +1

    lesson one for posting on ozbargain, always use 'my friend' 8nstead of self

    my friend spend 500 bucks on my friends credit card

    • McFly on 07/01/2022 - 01:21
      +2

      … asking for a friend.

    • SeVeN11 on 08/01/2022 - 14:30
      -1

      allegedly spent

  • yayo321 on 05/01/2022 - 20:35

    Why did you lend your friend your credit card in the first place? This friend borrowed it on purposes

  • kaleidoscope on 05/01/2022 - 21:13
    +7

    There is lot more to the story than what OP is telling. No one lends a credit card to someone if it’s not meant to be spent on something. If you agreed on something then the person misused it, then its a problem with you two and not the bank.

  • trapper on 05/01/2022 - 21:45
    +1

    If you actually gave your card to someone else then you lose all the fraud protection provided by your bank.

    Your only way to resolve this is directly with your 'friend'.

    You can try via the police if you want, but I think it will be a bit of a stretch to claim a crime was committed after you knowingly gave them the card.

  • DarkOz on 05/01/2022 - 23:02
    +1

    My Friend Spent $550 on My Credit Card
    Someone borrowed it and I know them but they are not accepting it

    Ask your friend to pay you back $550. Problem solved!

    Your friend defrauded you but not the bank/credit card. It was not stolen and used fraudulently. You lent it out so you literally gave consent to use.

  • John3000 on 06/01/2022 - 00:00
    +1

    OP complains card was used "fraudulently"…

    OP still has card. 🙄

    • nobro25 on 08/01/2022 - 19:08

      There's many ways a cards details can be stolen and used.

      1. Spyware and data logging on a computer.
      2. microchip copy NFC technology
      3. Atm covers, stealing the data when you use it on atm.
      4. Data leak from third party companies (due to hack) or incompetent staff.
        There's many others.
  • Cave Fire on 06/01/2022 - 02:21

    Maybe the friend was only supposed to use it for $20 or something. Then they flipped out and charged $550. Guessing this would still be stealing/fraud and you can report as normal…?

    • kerfuffle on 06/01/2022 - 06:40
      +2

      How can you report it as stealing/fraud when the OP broke the terms and conditions of the card by lending the card out i.e. not taking steps to ensure the card's security?

  • Davo1111 on 06/01/2022 - 02:48
    +3

    Asks for help, doesn't tell the truth.

    Solid logic

  • AMLagonda on 06/01/2022 - 03:02
    +5

    It cost the OP $550 to find out they have no friends……

  • DiscoJango on 06/01/2022 - 09:57
    +9

    I once lent my car to someone, when i got it back, i was surprised to find out it had actually been driven and had more km's on it than when i gave it to them.

  • pollambo on 06/01/2022 - 10:16
    -2

    It is possible a contactless payment was fraudulently made on the card - ie. friend was in possession but didn’t know someone made the purchase on the card. RFID card skimming has been around for a while.

  • Scrobo on 06/01/2022 - 11:07

    The person may have not used your card, I recently had transactions on my card and they are genuine fraud, the timing is likely a coincidence.

    • McFly on 07/01/2022 - 01:25

      Read OP properly.

  • Hangryuman on 06/01/2022 - 12:03
    +3

    I'm guessing this may be a soon to be ex-significant other

    in the category of 'I trusted that nice man in a suit - how come they took all my money !?'

  • keejoonc on 06/01/2022 - 12:26
    +4

    My guess is the OP gave it to his/her gf/bf to use and the relationship turned sour.

    • DarkOz on 08/01/2022 - 07:03
      +4

      I am going to double down on this theory. OP probably gave/lent the credit card to his gf whom spent it on her bf which is not OP.

  • raptormesh on 06/01/2022 - 13:30
    +1

    OP, there are so many old timers here that we can differentiate people looking for help or looking for validation from a mile away.

    You didn't pass the sniff test.

  • snirodha on 06/01/2022 - 14:37

    Can i be your friend? Pretty Please.

  • ryurazu on 06/01/2022 - 15:56
    +2

    first of all your friend just committed fraud! the fact that you know the person means you'll never press criminal charges on them, so the long short of the story is that you will not be able to recover the costs and therefore the bank doesn't give two flips about the problem. they will not even make a record of this "issue" they just file under nothing and then delete it after 1 year. I wont say more.

    • DiscoJango on 06/01/2022 - 16:22
      +1

      if you willingly give someone something, eg: car keys, then you cannot claim the car is stolen, as you gave the keys away. Same goes for OP's credit card: they willingly gave it to someone, who lo and behold, used it!

      Bottom line: op got scammed by a person ("friend") and is trying to not take any blame.

      • ryurazu on 06/01/2022 - 18:06
        +2

        yes you can claim it was stolen, even if you know that person else there would be no rules friend or no friend….

        i can give you many example where this might be true i don't think you seem to be thinking straight. Else everything would need paper work whenever you do anything.

        • DiscoJango on 07/01/2022 - 08:39
          +3

          No mate, im working on straight facts. You cannot claim something as 'stolen' if you willingly gave it to someone.

          • liongalahad on 07/01/2022 - 11:17
            -1

            @DiscoJango: so if you lend your car to a friend for a day and the guy sells it for profit, that's all good?
            He should sue his friend (which I'm assuming is not a friend anymore)

            • Shroomlet on 07/01/2022 - 12:21

              @liongalahad: Your misconstruing the argument. DiscoJango's argument regarding the car is very simply:
              If you WILLINGLY give away your car keys to someone, you cannot claim the car is stolen when they use it.

              If you then in turn around and sell the car, then that's a very different argument, because you've fraudulently laid ownership of a product to which you do not own. Very different argument.

              In my opinion, OP probably spent the funds, and is looking for a scheme where he can get his cash back. If it was REALLY a friend who used his card/someone he knew, then why should anyone other than the person who used the card have to reimburse the OP for it?

              • AJW on 07/01/2022 - 12:39

                @Shroomlet: Following these thoughts, you may be comparing apples to oranges.
                Lending a car is legal and if your friend did not return the car, you could report them for stealing?
                Lending a credit card breaks your user agreement, where as lending a car does not.
                Does this make any difference? Probably not lol

                • Shroomlet on 07/01/2022 - 12:46
                  +1

                  @AJW: Your misconstruing the argument. DiscoJango never said the car wasn't returned, nor did the OP say the card wasn't returned.

                  You are making more assumptions than the information that was provided.

                  In relation to the OP, you don't know if it's a credit card or a visa debit card or which bank the OP is connected to. As such, you have no idea if it breaks user agreement or not. It's a pretty safe assumption to say it would, but an assumption non the less.

                  I can see what your trying to achieve, but we're not talking about my argument, just working off what Jango has provided lol

                  • DiscoJango on 07/01/2022 - 13:58

                    @Shroomlet: If you "give" something to someone, then you cannot claim it has been "stolen", as you "gave" it away. End of discussion.

                    Real life example: I lend (give) my friend my car for a day. At the end of the day, my friend does not return my car or my phone calls. I then go to the police. I tell them that my friend isnt giving my car back and that its been stolen (and that i gave them the keys to the vehicle). The police will say, since you willingly gave your car keys to someone, then it hasnt been stolen, as you happily handed over the keys.

                    The argument of the friend trying to sell the car, is a totally different scenario and set of rules, which doesnt apply right now.

                    • Radar on 07/01/2022 - 16:29
                      +2

                      @DiscoJango: Loaning items can carry conditions.
                      eg. OP loans the card and authorises the "friend" explicitly to purchase milk at the supermarket with it.
                      That authorisation doesn't cover 8 slabs of beer. And physical access to the card doesn't equate to authorisation to buy the beer.

                      Possession of car keys isn't the same as authorisation to do what ever you want with it.

                      I do know not to loan anything to DiscoJango to avoid hassle

                      • DiscoJango on 07/01/2022 - 17:40

                        @Radar: Im financially stable enough to not to need to borrow anything from anyone :)

                      • McFly on 07/01/2022 - 17:44

                        @Radar: Instructions unclear. I gave my DeLorean key to DiscoJango and I still have no milk, and not even so much as the top of a walking stick.

                        • ryurazu on 10/01/2022 - 13:48

                          @McFly: Why would you give him something O.o he already said he doesn't want anything. You should ask him for the new flux capacitor.

                      • trongy on 08/01/2022 - 09:13
                        +3

                        @Radar: You're right. The set of conditions that both parties agree too is commonly called a contract. The police won't get involved in enforcing breaches contract. The OP has broken the conditions that bank applied so they are not obligated to help.

                        There's the option of a civil lawsuit, but as you point out it's not worth the hassle in such situations. It's best to avoid such situations in the first place which is an expensive lesson for the OP.

  • MessyG on 06/01/2022 - 18:57
    +3

    OP I'm not sure if English is your first language or not but I'm confused by this:

    "My Friend Spent $550 on My Credit Card
    Someone borrowed it and I know them but they are not accepting it"

    A friend is very different to "someone that I know". Did you lend it to a friend and they lent it to someone else? When you say "someone borrowed it" it sounds like they took it without asking. Did you lend it or was it taken?

  • Cookiescream on 06/01/2022 - 19:28
    +2

    I don't even understand this thread!

    • tharlow on 06/01/2022 - 22:14

      TLDR; no I don’t either

  • umoddbro on 06/01/2022 - 19:45
    +12

    I lent my card to my wife and she spent $2000 for which I did not authorise therefore I am going to raise a dispute for fraudulent payment. Come on OP…

    • tharlow on 06/01/2022 - 22:13

      Sure, but there were vows involved in your case

      • 2jzzzz on 08/01/2022 - 08:44
        +1

        "til death do us part"

        Bit extreme.

  • ProlapsedHeinous on 06/01/2022 - 21:10
    +1

    I guess the moral of the story here, is don't lend your bank/credit card out to anybody. Its a shame you had to lose 500 bucks to learn this but thats life.

    • Cookiescream on 06/01/2022 - 22:37

      the only thing OP can claim here is insanity. Don't lend you card to anybody! Ever! Even if you think they are… the president, prime minister, pope, god, your best friend… it is still NEVER!

    • Radar on 06/01/2022 - 22:48

      Not that bad a price to find out a friend you trusted isn't either. Cut'em loose, spread the word and walk away.

  • downbythecreek on 06/01/2022 - 22:49
    -8

    Tell the bank you will complain to AFCA. They'll probably pay you the $550 to go away, much cheaper than defending the complaint…

  • JesseN9 on 07/01/2022 - 01:33

    Just write it off as your charity donation for the year good luck

  • T1OOO on 07/01/2022 - 08:38
    +1

    “Friend” lol

  • godofpizza on 07/01/2022 - 10:35
    +1

    Hi OP, is your friends name Tyler Durden by any chance?

  • P Plater Panda on 07/01/2022 - 11:07
    +9

    It's not the same when the OP stops replying…

    • DarwinBoy on 07/01/2022 - 11:16

      Guess the OP realised they dug themselves a pretty deep hole and that no one here is willing to help them get out of it.

      • RiseAndRuin on 07/01/2022 - 17:39
        +2

        Let's not be too pessimistic. I'm happy to help OP, if he wants to be my friend… and lend me their credit card… 😂

    • Blokeinhisundies on 08/01/2022 - 00:08
      +1

      OP didn't like the answers they got here and went over to Whirlpool. They got the same answers there and never responded either. I wonder where they went next in search of unconditional support.

    • P Plater Panda on 08/01/2022 - 11:32

      Why do we love these "yeah…NAH" posts so much?? 😂

  • liongalahad on 07/01/2022 - 11:14

    Select your friends better and sue the (profanity)

  • t_c on 07/01/2022 - 11:58
    -1

    Where have the funds been spent and what was location of your friend on the day time of transaction. if spent online can you find out the address the goods were shipped too?

  • Romper Stomper on 07/01/2022 - 12:20
    +1

    Your BFF: Best Friend Forever?

    • DiscoJango on 07/01/2022 - 17:42

      BFUTSYCC:

      Best friend until they spend your credit card

  • PensionerXXL on 07/01/2022 - 18:06

    Hey op. What was brought on the card?
    Since its your card you can get the transaction details and serial numbers etc.

    Unless it was like 550 worth of wine

    • nightfever on 07/01/2022 - 18:31
      +2

      Yeh. Wondered the same too. Doubt OP is going to reply though. Since OP was disappointed at most of our responses :(

      • PensionerXXL on 07/01/2022 - 18:55

        :( op clearly has not lived thru the "I got scammed on gumtree is there a unique solution purely for me alone an not the 500 posts of the same nature"

    • Radar on 07/01/2022 - 18:41
      +1

      Hey OP. Find out what was purchased, and then go and collect your new goods.

  • 2024 on 07/01/2022 - 19:15
    +1

    Wait so OP lent someone his card - presumably to buy something small
    That someone stole 550 from it, and it’s OPs fault?
    Who stole the money in this story?
    It wasn’t OP
    I might give someone the keys to my car to get milk - but if they take it for 5000km journey instead of around the block?? I’d be big mad. Yet apparently I’d be the one to blame.
    Why all the victim blaming I just don’t get it

    • sassypants on 07/01/2022 - 19:26
      +4

      I think the consensus is that at the end of the day he should not have lent the card to another person.

      He is responsible for the card and the safety of it so that no unauthorised transactions occur. If he lent it out with only an understanding that it was for a small purchase and no other checks or balances, then sorry, that's not very responsible. The bank shouldn't have to cover his naivety, nor will the police see it as an issue as he willingly gave his card out. He was too trusting of somebody who didn't deserve it. It's an expensive lesson but one which thankfully wasn't a lot more expensive.

      • kerfuffle on 07/01/2022 - 22:25
        +2

        He also didn’t tell the full story until later.

      • 2024 on 08/01/2022 - 02:08

        Do we know if OP is an employer and this is a company credit card?

      • Yola on 08/01/2022 - 13:55
        +2

        When you obtain an additional (supplementary) card for someone else on your account you are still totally responsible for their spending. The only benefit is that their purchases are itemised separately.

        • Eeples on 16/01/2022 - 07:56

          Itemised separately is not always the case.

          Eg. Westpac credit cards

    • AJW on 08/01/2022 - 11:32

      bijezza, hit the revisions button at the top of the post and see the real story. The MODS updated the title and added extra info to the OP that was conveniently left out for a while.

    • Eeples on 16/01/2022 - 07:59

      You would get mad but you wouldn’t try to get compensation from the service stations. Or, from the bank for allowing him to tap for petrol.

  • 01011010 on 07/01/2022 - 23:20
    +1

    step 1, get your card replaced.
    step 2, get better friends.

  • BartholemewH on 07/01/2022 - 23:27
    +1

    I've been lent a card with a 200k limit on it in the past (approx. 40k daily limit) and I proceeded to use it exactly as intended. Turns out I missed my chance to be a scumbag :(

    • tharlow on 08/01/2022 - 00:16

      You did the right thing. The next time you borrow the card, the daily limit will be 80k, and you can get yourself something worth ruining a friendship for…

    • Eeples on 16/01/2022 - 08:00

      There is a difference in stealing $40,000 and $550.

  • plmko on 08/01/2022 - 02:18
    +1

    Should just call Otacon on 141.12 and ask.

  • soul2path on 08/01/2022 - 08:47
    +4

    Actually, your claim doesn't make sense with pay wave you are limited to 200 per transaction before you must enter a PIN, some banks still have this set at 100. What is the total story!

    • Kuzdog on 08/01/2022 - 20:32

      Was looking for someone mentioning this. Makes the OP claim seem like it’s made up.
      Also no mention of what they bought, did the OP see the friend with it or a receipt.
      OR why they have their friend the card in the first place…

  • darxtorm on 08/01/2022 - 11:15
    +2

    my mind is burning, i gotta know the whole story.

    how did they borrow it? how did you not know? what was bought? what did they say when you questioned them? how is this person still your friend?

    • FutureTech on 08/01/2022 - 11:49

      also what's the real reason the bank denied the dispute

      • AndyC1 on 08/01/2022 - 11:51

        NFT chip, so the person needs the card to make the tap and go work. OP did not inform the bank the card was stolen and as such the bank declined it.

        • Eeples on 16/01/2022 - 07:55

          What?

  • Heaps for Cheaps on 08/01/2022 - 19:32
    -1

    OP, how are we meant to provide you with a resolution unless you provide the information we need within a timely manner so we can investigate?

    I thereby make the ruling that the OP has not presented sufficient evidence to make the case and as such I am dismissing all charges with prejudice.

    I further rule that OP is liable for the charges made.

    • klownvandamn on 08/01/2022 - 21:10
      -1

      ok Judge Judy

      • Eeples on 16/01/2022 - 07:54

        Judge Judy would say “if it doesn’t make sense then it isn’t true”

  • tril3mma on 09/01/2022 - 10:56
    +2

    That’s no friend….

  • Cave Fire on 09/01/2022 - 17:23
    +2

    Yeah tried moving out to a friend's place temporarily. Somehow, a topic like losing money ($700) to lose a bad friend came up. Later that "friend" would pester me for small amounts of money over the month totaling ($250) and I paid for all the groceries for a month ($500). I left some things behind and they ended up at Cash Converters. Ironically, he actually fulfilled what I talked about and I cut off all contact. I probably saved at least another $700 or so by not hanging out with him. And you don't want people with bad intentions around you.

  • wagonweel on 10/01/2022 - 06:56

    It appears the physical card was used and as $550 is over the paypass limit means the friend also has been given/knows the pin code and THAT voids the terms of service thus your protection.

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