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Thread: fraudalent charges

  1. #1
    God/dess greenidlady1's Avatar
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    Default fraudalent charges

    I don't know who would be good at answering this question but on the 29th of Sept. an unauthorized or fradulent charge of 105.60 from U-Haul was made on my Visa check card. I found it last Thursday morning and called the bank to inform them of this. They told me I would need to fill out a dispute form at the bank and have them fax it in. Well, I did this and she gave me a copy of the form. Today I call them back to see what is going on and they never received the form , therefore, they can not start researching it yet. So, now I have to go back to the bank and make sure that form was faxed. They have not gave me a credit for those monies and I thought that with the Visa check card they were suppose to credit your account if fradulent charges were made on it. I called the U-haul in South Carolina which is where I use to live and they don't seem to know what I am talking about. I use to live there and I did business there back in May when I moved back here. So, either someone there made a mistake or charged my account fradulently. I am very aggravated about this. Any advice would be great.

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    Default Re: fraudalent charges

    ^^^ keep in mind that you are now involved in a very 'ponderous' system which requires going through specific procedures in a specific order. I'm guessing that your bank did in fact fax the disputed charge form correctly, and that 'somebody' at Visa has received it, but that it is going to take a day or so for that form to 'migrate' through Visa's bureaucracy and into the hands of the person dealing with your account. As you pointed out, until this basic first step takes place Visa isn't going to go anywhere.

    Once the right person at Visa has your dispute form, they will then have the 'authority' contact the business that booked the "fraudulent" charge, to gather more details and attempt to determine if the charge is in fact 'fraudulent'. This may turn out to be a black and white situation of credit card fraud, it may turn out to be a legitimate mistake, or it may even turn out that you were actually underbilled for some past U-Haul rentals such that the business eventually discovered the underbilling and added the 'new' charge to your credit card to make up the difference.

    Until these sort of possibilities are sorted out, you are not going to be able to have this charge 'erased'.

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    Default Re: fraudalent charges

    Actually it was a Visa a check card so it came out of my checking account with Wachovia. I called U-haul corporate and the actual branch that took the monies. They claim that they don't show I owe anything nor know what I am talking about so I am guessing they accidently or purposefully used my card for someone else's purchases.

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    God/dess VenusGoddess's Avatar
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    Default Re: fraudalent charges

    What you do is get a name and address to where the dispute form is to be sent to. Then, you certify mail it to that address/person. In addition to faxing it YOURSELF. Do not depend on the branch to do it for you. I made this mistake and by the time it got straightened out, my "dispute" period was over, costing me thousands. Let the bank fax it if they want, but get all relevant info and fax/mail it yourself, as well. Also, get the name of the person who is supposed to fax it.

    Then you get a copy of the statement that shows U-Haul charged you...and you fax it to U-Haul (make sure you black out account numbers, balances, etc) and tell them to straighten it out. You can also give the card number to them. In order for a charge to be run, there has to be a paper copy stored somewhere. What will happen is that they'll take your card number, the date that the charge was run and have their lowest ranking office flunky go pull the days receipts and dig through them until they find the receipt in question. At that point, they either have to prove that you approved the charge (meaning that your signature is on the receipt) or they have to refund you. You may want to remind them that if they refund the money voluntarily, the bank will not "charge" them a fee (most banks charge companies to do charge-backs).

    Call and follow up every 3rd day. It should only take about a week to get the whole mess straightened out.

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    God/dess greenidlady1's Avatar
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    Default Re: fraudalent charges

    Quote Originally Posted by VenusGoddess
    What will happen is that they'll take your card number, the date that the charge was run and have their lowest ranking office flunky go pull the days receipts and dig through them until they find the receipt in question.

    ^^^^Lmao, I love it, thanks for the great advice again Venus

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    Featured Member Vamp's Avatar
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    Default Re: fraudalent charges

    Actually a fraudulent transaction is taken care of differently than a dispute. With a fraudulent transaction on a checking account they will have you sign an affidavit stating that you did not make the transaction. When the financial institution recieves this they must credit the amount back. They take care of all the leg work because it is a fraudulent transaction. Then the merchant has to prove the tranaction was made. If they can not prove you made the transaction they must return funds to the financial institution. They have 30 days to prove such. The process is done internally to insure Visa/Mastercard requirements are met. Visa/Mastercard requirements are also differant on fraudulent transactions then disputes.

    When you talk about the transaction make sure you use the word fraud. Often times card holders will mix the terms dispute with fraud. Dispute is for when you had authorized a transaction once upon a time, services were not rendered, or item never recieved.

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    Default Re: fraudalent charges

    Yes, I went to the bank today and filled out another form. They canceled my bank card and ordered me a new one, then assured me of a credit within 24 hours. I am still going to fax U-Haul a copy of this transaction though tommorrow as Venus said.

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    Featured Member Vamp's Avatar
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    Default Re: fraudalent charges

    Faxing Uhaul a copy of the transaction, from my experience, really isn't going to do much because it is a fraudulent transaction. The merchant also must follow Visa/Mastercard guidelines for processing and or proving the transaction. If they do not they can be revoked to process Visa/Mastercard transactions. So until they recieve the information from Visa/Mastercard the merchant probably wont do much with it.

    Fraudulent transactions are not charged a charge back fee for merchants.

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    God/dess VenusGoddess's Avatar
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    Default Re: fraudalent charges

    ^ When I worked for a company that dealt with phone orders, we WERE charged a fee if there was a "discrepancy" and the bank had to reverse charges. The company IS charged a fee.

    Whether the transaction is dispute or fraud, you can always get a head up by sending the paperwork to the actual company.

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