figner
Recycles dryer sheets
Last month I noticed an unauthorized charge while looking at my credit card activity online. It was a single transaction for several hundred dollars, and no other unusual activity since. Well since I'd heard this was fairly common and easy to take care of, I called my CC company to dispute the charge. They asked me a lot of questions to see if I might have forgotten the purchase, loaned out my card, etc. Their transaction records showed a physical card had been swiped at the merchant. They'd mail me an affidavit form to fill out. So far all seemed reasonable.
The affidavit form arrived in the mail leaving only a few days before the bank's deadline to return it. I FAXed it back, called to confirm receipt, and figured it was taken care of. Then a couple weeks ago, I got a followup letter saying the merchant had sent them a copy of the CC receipt and I was again liable for the charge. A copy of the receipt was included, where the name and signature on the card was not mine! After calling again and being transferred around, finally someone in the fraud dept looked at the receipt and concluded this should be a fraud case. They cancelled my card and are reissuing a new one.
This is the first time I've had to dispute a fraudulent charge in many years, and somehow I didn't expect to meet so much resistance. Does this seem unusually difficult?
The affidavit form arrived in the mail leaving only a few days before the bank's deadline to return it. I FAXed it back, called to confirm receipt, and figured it was taken care of. Then a couple weeks ago, I got a followup letter saying the merchant had sent them a copy of the CC receipt and I was again liable for the charge. A copy of the receipt was included, where the name and signature on the card was not mine! After calling again and being transferred around, finally someone in the fraud dept looked at the receipt and concluded this should be a fraud case. They cancelled my card and are reissuing a new one.
This is the first time I've had to dispute a fraudulent charge in many years, and somehow I didn't expect to meet so much resistance. Does this seem unusually difficult?