(Closed) NWR: Credit card fraud help

posted 5 years ago in Legal
Post # 2
1163 posts
Bumble bee
  • Wedding: March 2011

I’m a banker.  The signed notarized affidavit is standard under FDIC Regulation E.  All banks use it. Send it back, tell them you do not know the recipient or the address and you’ll be done.  The reason they gave you provisional credit while they investigate is because Reg E says they have to.

Post # 3
7551 posts
Bumble Beekeeper
  • Wedding: October 2014

If you send in your written statement that you never purchased from the vendor and don’t know anyone in the town where the stuff got delivered, a copy of your drivers license to show your address, and a copy of a bill — any bill– from before the fraudulent charge (to show you’ve not recently moved away from that shipping address), Citi will re-reverse the charge and void any interest. 

when the vendor disputes your dispute (because they don’t know that a theif stole your credit card number, all they know is someone said  “send this stuff here” and thats what they did), Citi has to undo the reversal while they continue investigating. Don’t take it personally. The same thing will happen with all of them. They have to do things in a certain order or their business insurance won’t cover your claim.

Post # 4
5082 posts
Bee Keeper
  • Wedding: December 2014

Maybe try calling Shakeology? Was the order placed by an online account? If so, maybe they can see whose online account it was and provide documentation for that or at least certify that it was not an account in your name.

That’s the only thing that I can think of, I’m surprised that the credit card company is being so difficult about this, usually they are very good about trusting you when you say you didn’t make a purchase. Like anyone can just buy anything they want online as long as they have your address in the billing info? Seems fishy. (ETA: after reading PPs posts, it seems to make sense that they would further investigate)

I hope that you have also cancelled that card number and gotten a new card.

  • This reply was modified 4 years, 9 months ago by  SithLady.
Post # 6
1066 posts
Bumble bee

Yep, the signed affadavit should be plenty to have everything reversed, sometimes it’s just a time consuming process before everything gets settled. I’m sure they already did, but make sure they cancel that card number and issue a new one to prevent and future charges from whoever it is that stole the number. I was a customer service rep for a bank and I can tell you that you’ll get nowhere with just calling and harrassing them for info becuase they don’t have any to give you. The only people that know anything are the ones in the fraud dept and most of the time they don’t talk to the public. Just send in the affadavit asap and be patient.

Post # 7
4550 posts
Honey bee
  • Wedding: November 2016

I’m sorry you’re dealing with this!  I’m not sure if it speaks for or against them but I’ve had my Citi card for about 5/6 years and have had my CC information stolen three times (I do a lot of online shopping).  Each time, they’ve been great and I’ve had the charges removed, so I would reconsider closing your account (especially since it would negatively affect your credit!).  PP advice on proving the purchase was fraudulent sounds spot on to me, though I’ve never had to do this. 

Post # 9
1412 posts
Bumble bee

View original reply
Whirlwind03:  This is so odd. I’ve had to deal with Citi on a few fraud charges and they’ve been stellar. No need to close your account, just request a new CC and number (if you haven’t already)

Post # 11
9529 posts
Buzzing Beekeeper

ETA — nevermind I missed that you already have the tracking info. 

Anyway, hope it works out with the affadavit!

  • This reply was modified 4 years, 8 months ago by  Grid.
Post # 12
18628 posts
Honey Beekeeper
  • Wedding: June 2009

If I were you, I would call the local police department and file a police report to further back your claim. Also, make sure your credit card company has issued you a new card to prevent these people from using your information again. I can’t believe they are being so much trouble. I had my cards stolen on Thanksgiving 10 years ago and filed a police report and they worked on getting the money back into my account right away (the funds were actually taken out of my debit account). I hope this gets resolved soon!

ETA: Saw that you got a new card, at least they are doing something!

Post # 14
448 posts
Helper bee
  • Wedding: May 2017

Shakeology is an international company, and my CC company says it’s a fraudulent charge everytime I order. I’m shocked yours didn’t do the same.

Since they are international, they will tell you who it was shipped to if you give them a call! They don’t really follow the US Privacy Rules, which would be an advantage to you.

Post # 15
18628 posts
Honey Beekeeper
  • Wedding: June 2009

View original reply
Whirlwind03:  I would hope that it wouldn’t take too long to do it. I had a cop come to my inlaw’s house (on Thanksgiving) and it didn’t take too long for us but paperwork might be more involved now.

The topic ‘NWR: Credit card fraud help’ is closed to new replies.

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