Divemedic reports that he can't get his credit card company to cancel a false charge to his account, even though he never spent the money or authorized it.
The reason that the charges were considered valid, according to the woman on the phone, is that I provided no supporting documentation, and the merchant did provide some.
My first question was how I am supposed to provide documentation of a charge that I had no knowledge of. She didn’t know.
So I tried a different approach. I asked what documentation the merchant provided. She didn’t know that either. She said that I would have to contact the merchant directly.
So I asked for the merchant’s phone number. She didn’t know that either. She then unhelpfully suggested that I contact the Google Advertising Department and gave me that number.
I asked her what my options are. All I can do is refuse to pay it, and if I do so, the credit card company will cancel my credit card, then report the delinquent amount to my credit record, with interest each month. They will put a note on there that I dispute it, but that means nothing. My credit will still be trashed.
. . .
It looks like I am going to have to pay this. I could call a lawyer and sue, but that would cost me more than just paying it, with no guarantee that I would win anything. I have no other recourse. I don’t even know what this charge is for, who it was paid to, or how they got my CC number, but I am just screwed out of $340.
There's more at the link.
That's infuriating! I've challenged fraudulent purchases on my account several times, and been successful in having them declined, but in this case it looks like Divemedic's credit card issuer simply didn't want to be saddled with the costs - so he's left holding the baby (or the bill).
I thought I'd ask you, readers: how many of you have had similar experiences? How many of you have been forced to pay a fraudulent charge on your credit card, even though you followed all the laid-down procedures to challenge it? How widespread is this problem?
Please let us know in Comments.