Another Reader
Thinks s/he gets paid by the post
- Joined
- Jan 6, 2013
- Messages
- 3,413
Right now, I'm not too happy with Elan. My card was compromised and a small charge made on October 31. I noticed it immediately on the morning of November 1st. I called immediately, and it took awhile to get to a person to dispute the charge. At first she did not understand what I was saying and implied I made the charge. No, I did not make a small donation of an odd amount to a European charity. I finally had to say, look someone is setting you up to commit a large fraud on this account. I'm reporting the problem now so you can deactivate the card and send me another one. She then trotted out the fraud speech and said I would get a new card overnighted to me. Haven't seen the new card yet. Chase and others are more proactive than these folks are when fraud is reported and I always got the card on the promised delivery date. So, not exactly happy with Elan right now.
In today's mail were two letters from Elan. One said they were provisionally reversed the $3.XX charge. The other was three pages of forms for me to fill out describing what happened, asking if the card was in my possession, asking for the name of the suspect and and asking if I filed a police report. If I don't fill out the forms and sign in all the right boxes, they will reverse the credit. Excuse me? I proactively called Elan so they could deactivate the card and save themselves a lot of money from a bigger fraud.
I have no idea of the identity of the "suspect." Someone no doubt got the card information through a card reader or by hacking a database somewhere. File a police report for a $3.XX charge? The police can't do their job as it is. They don't need a lot of reports on small fraudulent charges clogging things up more.
The impression I get is that they want to put fraud back on the customer. I'm beginning to wonder if the 2 percent cash back is worth the risk of having to absorb the cost of a major fraud.