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Post by kkooch on Apr 9, 2024 14:12:08 GMT
So my son uses one of my credit cards on an account I don't use (Old Navy/Barclay). Last fall a charge for $65 showed up that he didn't make. They claim chip card technology was used so it had to be him. I had to ask what was even purchased or what type of store it was. Naturally we appealed it. Got the money credited while they looked into it.
Denied again. Has anyone ever had this happen before? I guess we just suck it up and cancel the card. So much about use your credit card, it protects you. Not in our case. Good time for him to apply for a card in his name. I'll have to pull a credit report in a couple months to confirm no comments are added to the account.
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pinklady
Drama Llama
Posts: 5,513
Nov 14, 2016 23:47:03 GMT
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Post by pinklady on Apr 9, 2024 15:25:04 GMT
I've never experienced something like this. My legit fraud charges have always been reversed.
If it happened last fall and not again since AND the credit card company researched it and they found it not to be fraud, I'm guessing there is more to the story than you've posted.
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GiantsFan
Prolific Pea
Posts: 8,287
Site Supporter
Jun 27, 2014 14:44:56 GMT
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Post by GiantsFan on Apr 9, 2024 15:43:35 GMT
I've never had fraud charges put back on my card. The bank always immediately cancelled the card and re-issued as soon as I notify them.
Since the chip was used, maybe a friend (girlfriend or guyfriend or partner) used the card without his knowledge. Then slipped it back in his wallet.
So weird.
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Post by busy on Apr 9, 2024 16:08:35 GMT
On the bench of there’s likely something you don’t know. Maybe your son knows or not, but if the chip was used and he didn’t lose the card, the physical card was in someone else’s possession and then usage generally falls under the cardholder’s responsibility unless they can prove they didn’t give permission (which usually means filing a police report).
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Post by Basket1lady on Apr 9, 2024 16:54:17 GMT
? You can use a chipped chard without the physical card. I’m not sure that I understand the counter claim. I use it online all the time.
We did get push back from the bank and denied when DH’s wallet was stolen in Paris. We provided the police reports from France, Belgium, NATO, and the US and it was then paid. (Dh had his military IDs, Passport card, government CC cards, Belgian driver’s license, residency card, etc in the wallet, and $20,000+ was taken before I could get the cards shut off.)
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Post by busy on Apr 9, 2024 16:58:29 GMT
? You can use a chipped chard without the physical card. I’m not sure that I understand the counter claim. I use it online all the time. What the bank means is the transaction was made using the physical card, with the card reader reading the chip. It wasn't a swipe, it wasn't an online payment, it wasn't manually entered. The physical card was tapped/inserted, the chip was read, the payment was approved.
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Post by myshelly on Apr 9, 2024 17:01:54 GMT
? You can use a chipped chard without the physical card. I’m not sure that I understand the counter claim. I use it online all the time. We did get push back from the bank and denied when DH’s wallet was stolen in Paris. We provided the police reports from France, Belgium, NATO, and the US and it was then paid. (Dh had his military IDs, Passport card, government CC cards, Belgian driver’s license, residency card, etc in the wallet, and $20,000+ was taken before I could get the cards shut off.) The bank can tell HOW the card was used. The bank can tell if it is an online purchase or an in person purchase. If it’s an in person purchase, the bank can tell if the card was swiped, chip inserted, or tapped. The bank is saying the physical chip was present in person and used. OP is going to have to explain how that happened in order to get the money from the bank - something like the physical card was stolen.
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Post by Basket1lady on Apr 9, 2024 17:02:56 GMT
? You can use a chipped chard without the physical card. I’m not sure that I understand the counter claim. I use it online all the time. What the bank means is the transaction was made using the physical card, with the card reader reading the chip. It wasn't a swipe, it wasn't an online payment, it wasn't manually entered. The physical card was tapped/inserted, the chip was read, the payment was approved. That makes sense!
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Post by kkooch on Apr 9, 2024 17:16:13 GMT
I get what everyone is saying but he never lost his card, has no one he is seeing, no one at work could get his wallet. It was obviously never reported stolen because it wasn't.
We called as soon as we saw the posting and they cancelled the card right then. They issued another card which after a week of not receiving it we called again. They cancelled that card and reissued. However during that time they cancelled my card, which I never use. It's been a cluster for months.
The bizarre thing is the store is over an hour from where we live. But whatever.
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Post by Merge on Apr 9, 2024 17:24:18 GMT
Not sure how old your son is, but with one of my young adult children, I would have to consider that they had used the card themselves and are lying to me about it for whatever reason.
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breetheflea
Drama Llama
Posts: 5,888
Location: PNW
Jul 20, 2014 21:57:23 GMT
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Post by breetheflea on Apr 9, 2024 17:37:44 GMT
My DD had her checking account for two months and her account was hacked. The places she used it: her high school (to pay for her transcript) her college to buy textbooks, and her scholarship asked for her checking account info to direct deposit her scholarship funds... I have access to her account and she doesn't have a car so I'm sure she didn't go shopping anywhere else. People just suck!
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Post by kkooch on Apr 9, 2024 17:56:34 GMT
My son is 28. No reason for him to lie. He has plenty of money. He only uses the credit card because his debit card had fraud years ago and did what everyone says to do. Use a credit card.
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mimima
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Stay Gold, Ponyboy
Posts: 5,017
Jun 25, 2014 19:25:50 GMT
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Post by mimima on Apr 9, 2024 18:01:32 GMT
I had that once where a third party seller came up on a Google search and even though the ticket they sold me was already sold, disputed my dispute. 😡
I'm going to be honest, I was mad at my cc company, but never got around to canceling.
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Post by Merge on Apr 9, 2024 18:03:35 GMT
My son is 28. No reason for him to lie. He has plenty of money. He only uses the credit card because his debit card had fraud years ago and did what everyone says to do. Use a credit card. Another possibility - he accidentally pulled it out and used it when he meant to use his debit card. I know I’ve done that before myself. But you’re right - at that age, he should definitely have his own card.
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Post by workingclassdog on Apr 9, 2024 18:04:46 GMT
That sucks. Sorry it happened. I haven't (knock on wood) have had any fraud in years. Before chip technology. (or getting a chip card).
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Post by lg on Apr 10, 2024 12:27:16 GMT
We thought this happened to us once but the store location and name were different to the actual business we used the card at… not sure if that could’ve happened to your son? When we retraced out steps we realised the “burger shop business name” on our bank statement was actually “newsagent where we bought a one off lottery ticket” - as we hardly every buy lottery tickets and never from that particular shop and are never really ever at that shopping mall it looked fraudulent to us. Bank denied us for the same reason, we then really went back and realised what had happened/what it was.
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Post by hop2 on Apr 10, 2024 12:44:44 GMT
Is it possible the card was cloned and since you shut it down so quickly there were no other uses of the cloned card? *they* say online all the time to look out for fake card readers over top of card readers because it can clone your card information. I do not know how that actually works
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Post by littlemama on Apr 10, 2024 14:10:03 GMT
Ask to see the video footage from the store of the card being used.
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Post by busy on Apr 10, 2024 15:05:17 GMT
Is it possible the card was cloned and since you shut it down so quickly there were no other uses of the cloned card? *they* say online all the time to look out for fake card readers over top of card readers because it can clone your card information. I do not know how that actually works Magnetic stripe cards can easily be cloned but chip cards are almost impossible to clone.
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Post by Prenticekid on Apr 10, 2024 16:00:02 GMT
I had a claim denied because the thief produced a receipt. It was the lamest looking receipt that could have been...just typed the name of the alleged business (couldn't find it on a Google search) and the "order" details on plain paper. The "order" was for testosterone. Yea. I look like someone who uses testerone, eh? $600 that I'll never see again.
Don't get lulled into thinking your card protections in anyway are to protect you.
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Post by librarylady on Apr 10, 2024 16:36:02 GMT
I had a claim denied because the thief produced a receipt. It was the lamest looking receipt that could have been...just typed the name of the alleged business (couldn't find it on a Google search) and the "order" details on plain paper. The "order" was for testosterone. Yea. I look like someone who uses testerone, eh? $600 that I'll never see again. Don't get lulled into thinking your card protections in anyway are to protect you. Just subtract the amount from your payment. Never pay. It will ding your credit, then you write a letter explaining and go on. We have good credit. Once hospital charged $40(maybe 60) for "new patient " on an ER visit. I would not pay. The dinged our credit. Then our credit was being examined about? And the person said, every other agency gives you high marks, so I will ignore this.--
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smartypants71
Drama Llama
Posts: 5,701
Location: Houston, TX
Jun 25, 2014 22:47:49 GMT
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Post by smartypants71 on Apr 10, 2024 16:48:13 GMT
I had a claim denied because the thief produced a receipt. It was the lamest looking receipt that could have been...just typed the name of the alleged business (couldn't find it on a Google search) and the "order" details on plain paper. The "order" was for testosterone. Yea. I look like someone who uses testerone, eh? $600 that I'll never see again. Don't get lulled into thinking your card protections in anyway are to protect you. Just subtract the amount from your payment. Never pay. It will ding your credit, then you write a letter explaining and go on. We have good credit. Once hospital charged $40(maybe 60) for "new patient " on an ER visit. I would not pay. The dinged our credit. Then our credit was being examined about? And the person said, every other agency gives you high marks, so I will ignore this.-- That seems like a bad idea. First, you will just accrue interest charges and late fees. The ding on your credit is usually a lot more severe on a credit card vs a medical bill.
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Post by busy on Apr 10, 2024 16:52:33 GMT
Just subtract the amount from your payment. Never pay. It will ding your credit, then you write a letter explaining and go on. We have good credit. Once hospital charged $40(maybe 60) for "new patient " on an ER visit. I would not pay. The dinged our credit. Then our credit was being examined about? And the person said, every other agency gives you high marks, so I will ignore this.-- That seems like a bad idea. First, you will just accrue interest charges and late fees. The ding on your credit is usually a lot more severe on a credit card vs a medical bill. Do not do this. It will massively screw up your credit to have a credit card charge off and forced closure, which is what will happen if you refuse to pay. All the credit card issuers report to all of the big three credit bureaus, so your credit will be shot for at least a couple years. Do not do this.
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Post by FuzzyMutt on Apr 10, 2024 19:14:10 GMT
Not sure how old your son is, but with one of my young adult children, I would have to consider that they had used the card themselves and are lying to me about it for whatever reason. TLDR unless you want a crazy story of a lying not lying kid. My son has been an authorized user on 3 of my cards for at least 4 years... He's only had physical possession of one of them. It was the just in case/emergency gas/cab/food card/blown tire/whatever, because I travel alot and the last thing I wanted was for him to be stranded somewhere because he sucks at having an emergency fund. The whole fix the problem now, and reinforce later. The other two were just for credit building purposes (it works by the way!) Anyway, you can guess it, random charge popped up on my statement for something that didn't seem emergency (haircut) and I asked him why he used my card. He swore up one side, and down the other that he didn't. Well... it was his card (the statement makes it very clear) and it was a barber shop in a town he goes to.... I just paid it and gave him hell for using my card without telling me (I usually carry a 0 balance, and it would be possible that I wouldn't think to pay it- if that makes sense.) I was pissed he lied to me. Two weeks later, a charge for Buffalo Wild Wings hit. I was freaking livid! I checked his account- he had plenty of money! What the hell. He hadn't used my card in well over a year.. I ambushed him when he came home from the gym and asked him if he'd used my card recently. He said no. I asked him if he'd been to BWW lately, and he said he had been. At that point I was like, ok. Something is going on. You don't usually lie to me, and I'm about to take you off my card. You don't want that. THEN he told me he had actually applied for, and gotten a card of his own from the same issuer of the one that he had of mine and ASSUMED that they would just make the one of mine, his- because he had his own account then. WTH??! Made no sense to me, but made sense to him, and I could see it as a stretch from a young person who just really doesn't know alot about these things. I'd recently taught him how to fill out a money order, and how to address and stamp the envelope so that he could pay some Union dues/fees. I was amazed at the time that we'd gone all that time without teaching him how to do that. Anyway, he could have paid online with a cc had he had one, and that's what made him want to get a card. Most times in the past, he'd just say, mom, I have to pay x.xx, I used your card, just take it out of my account. But he decided he was ready to jump into the credit card pool (he'd been reluctant because his sister really struggled managing her credit at first and it was a deep deep hole.) Anyway, I'm not sure why I typed all this out, lol, and it's not exactly the same as lying, but it certainly wasn't TRUE lol. These kids are still learning, and OP, is it at all possible that your son is literally just mistaken? Did he maybe use the card somewhere that isn't exactly Old Navy but affiliated with Old Navy and just assume since it didn't say Old Navy on the door that he didn't buy something at Old Navy? Sort of like a Ulta in Target situation?
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Post by Ryann on Apr 10, 2024 19:20:45 GMT
Not sure how old your son is, but with one of my young adult children, I would have to consider that they had used the card themselves and are lying to me about it for whatever reason. TLDR unless you want a crazy story of a lying not lying kid. My son has been an authorized user on 3 of my cards for at least 4 years... He's only had physical possession of one of them. It was the just in case/emergency gas/cab/food card/blown tire/whatever, because I travel alot and the last thing I wanted was for him to be stranded somewhere because he sucks at having an emergency fund. The whole fix the problem now, and reinforce later. The other two were just for credit building purposes (it works by the way!) Anyway, you can guess it, random charge popped up on my statement for something that didn't seem emergency (haircut) and I asked him why he used my card. He swore up one side, and down the other that he didn't. Well... it was his card (the statement makes it very clear) and it was a barber shop in a town he goes to.... I just paid it and gave him hell for using my card without telling me (I usually carry a 0 balance, and it would be possible that I wouldn't think to pay it- if that makes sense.) I was pissed he lied to me. Two weeks later, a charge for Buffalo Wild Wings hit. I was freaking livid! I checked his account- he had plenty of money! What the hell. He hadn't used my card in well over a year.. I ambushed him when he came home from the gym and asked him if he'd used my card recently. He said no. I asked him if he'd been to BWW lately, and he said he had been. At that point I was like, ok. Something is going on. You don't usually lie to me, and I'm about to take you off my card. You don't want that. THEN he told me he had actually applied for, and gotten a card of his own from the same issuer of the one that he had of mine and ASSUMED that they would just make the one of mine, his- because he had his own account then. WTH??! Made no sense to me, but made sense to him, and I could see it as a stretch from a young person who just really doesn't know alot about these things. I'd recently taught him how to fill out a money order, and how to address and stamp the envelope so that he could pay some Union dues/fees. I was amazed at the time that we'd gone all that time without teaching him how to do that. Anyway, he could have paid online with a cc had he had one, and that's what made him want to get a card. Most times in the past, he'd just say, mom, I have to pay x.xx, I used your card, just take it out of my account. But he decided he was ready to jump into the credit card pool (he'd been reluctant because his sister really struggled managing her credit at first and it was a deep deep hole.) Anyway, I'm not sure why I typed all this out, lol, and it's not exactly the same as lying, but it certainly wasn't TRUE lol. These kids are still learning, and OP, is it at all possible that your son is literally just mistaken? Did he maybe use the card somewhere that isn't exactly Old Navy but affiliated with Old Navy and just assume since it didn't say Old Navy on the door that he didn't buy something at Old Navy? Sort of like a Ulta in Target situation?I was thinking the same thing. ON is associated with Gap, BR and I think Athleta - so maybe he bought something from one of those stores and the parent company ON is what shows up on the cc charge listing? kkooch
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Post by mom on Apr 10, 2024 19:32:31 GMT
So my son uses one of my credit cards on an account I don't use (Old Navy/Barclay). Last fall a charge for $65 showed up that he didn't make. They claim chip card technology was used so it had to be him. I had to ask what was even purchased or what type of store it was. Naturally we appealed it. Got the money credited while they looked into it. Denied again. Has anyone ever had this happen before? I guess we just suck it up and cancel the card. So much about use your credit card, it protects you. Not in our case. Good time for him to apply for a card in his name. I'll have to pull a credit report in a couple months to confirm no comments are added to the account. So what was purchased and what store? With it only happening once and only for $65, I bet he did use it and forgot. I am surprised they didn't immediately cancel the card and reissue a new card.
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Post by FuzzyMutt on Apr 10, 2024 19:43:16 GMT
My son is 28. No reason for him to lie. He has plenty of money. He only uses the credit card because his debit card had fraud years ago and did what everyone says to do. Use a credit card. I just wrote the long story above.... my son is 22. Ironically, the card in that story is also a Barclays issued card My son also has plenty of money (well, enough for what he spends living at home), and uses his debit card and is constantly dealing with fraud. I really think credit cards do do a much better job of screening that out than we realize. Anyway, from one mama to another with young sons finally getting their own cards- cheers! **I also want to jump on the band wagon about *DO NOT* just choose not to pay it. I'm sure you know that that would be a worse nightmare with interest etc, even if you carry a balance and it doesn't result in a late fee. Not to mention the head space that it will continue to occupy.
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Post by FuzzyMutt on Apr 10, 2024 19:51:39 GMT
My son is 28. No reason for him to lie. He has plenty of money. He only uses the credit card because his debit card had fraud years ago and did what everyone says to do. Use a credit card. Another possibility - he accidentally pulled it out and used it when he meant to use his debit card. I know I’ve done that before myself. But you’re right - at that age, he should definitely have his own card. I do this more than I'd like to admit. When I'm on a work trip I always hide my personal cards in my wallet. LOL I have one card I use for EVERYTHING (it's cash back and I only use other cards for multiplier points at certain stores..) and too many times I've used it when I could have expensed the whatever I bought. Bugs the living daylights out of me!
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Post by mikklynn on Apr 10, 2024 23:32:01 GMT
Not sure how old your son is, but with one of my young adult children, I would have to consider that they had used the card themselves and are lying to me about it for whatever reason. TLDR unless you want a crazy story of a lying not lying kid. My son has been an authorized user on 3 of my cards for at least 4 years... He's only had physical possession of one of them. It was the just in case/emergency gas/cab/food card/blown tire/whatever, because I travel alot and the last thing I wanted was for him to be stranded somewhere because he sucks at having an emergency fund. The whole fix the problem now, and reinforce later. The other two were just for credit building purposes (it works by the way!) Anyway, you can guess it, random charge popped up on my statement for something that didn't seem emergency (haircut) and I asked him why he used my card. He swore up one side, and down the other that he didn't. Well... it was his card (the statement makes it very clear) and it was a barber shop in a town he goes to.... I just paid it and gave him hell for using my card without telling me (I usually carry a 0 balance, and it would be possible that I wouldn't think to pay it- if that makes sense.) I was pissed he lied to me. Two weeks later, a charge for Buffalo Wild Wings hit. I was freaking livid! I checked his account- he had plenty of money! What the hell. He hadn't used my card in well over a year.. I ambushed him when he came home from the gym and asked him if he'd used my card recently. He said no. I asked him if he'd been to BWW lately, and he said he had been. At that point I was like, ok. Something is going on. You don't usually lie to me, and I'm about to take you off my card. You don't want that. THEN he told me he had actually applied for, and gotten a card of his own from the same issuer of the one that he had of mine and ASSUMED that they would just make the one of mine, his- because he had his own account then. WTH??! Made no sense to me, but made sense to him, and I could see it as a stretch from a young person who just really doesn't know alot about these things. I'd recently taught him how to fill out a money order, and how to address and stamp the envelope so that he could pay some Union dues/fees. I was amazed at the time that we'd gone all that time without teaching him how to do that. Anyway, he could have paid online with a cc had he had one, and that's what made him want to get a card. Most times in the past, he'd just say, mom, I have to pay x.xx, I used your card, just take it out of my account. But he decided he was ready to jump into the credit card pool (he'd been reluctant because his sister really struggled managing her credit at first and it was a deep deep hole.) Anyway, I'm not sure why I typed all this out, lol, and it's not exactly the same as lying, but it certainly wasn't TRUE lol. These kids are still learning, and OP, is it at all possible that your son is literally just mistaken? Did he maybe use the card somewhere that isn't exactly Old Navy but affiliated with Old Navy and just assume since it didn't say Old Navy on the door that he didn't buy something at Old Navy? Sort of like a Ulta in Target situation? OMG, I can completely see my granddaughter thinking the same thing! I'm glad you solved your mystery.
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RosieKat
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Posts: 5,377
Jun 25, 2014 19:28:04 GMT
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Post by RosieKat on Apr 11, 2024 0:13:32 GMT
We thought this happened to us once but the store location and name were different to the actual business we used the card at… not sure if that could’ve happened to your son? is it at all possible that your son is literally just mistaken? Did he maybe use the card somewhere that isn't exactly Old Navy but affiliated with Old Navy and just assume since it didn't say Old Navy on the door that he didn't buy something at Old Navy? These thoughts crossed my mind, as well. I always get thrown when there's a different business name. I contested a charge for a few hundred dollars from something like "Smith Incorporated" or something equally nondescript. I couldn't think and couldn't think so we contested it. It eventually turned out to be something I recognized that I knew under the name of something unrelated (to me) like "Endeavor Photography." Egg on my face, but hey. (This is why I also appreciate etsy sellers, etc. who clarify how the charge will be shown!)
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