A couple of weekends ago I received a phone call from my credit card company. They suspected fraudulent charges. I had used my credit card many times that Saturday running errands around town. That same afternoon while I was shopping in my city someone else apparently was shopping in a neighboring city using my same credit card number at the exact same time. Yikes!
The fraud specialist went through my charges for the day over the phone. Several were mine, but three were not – two for Target and one for a Food4Less, totaling about $600. The charges were reversed, my credit card was canceled, and I was issued another one. I was hoping I would get to keep the rewards miles for those charges, but she told me no.
Last night I sat down to pay my monthly bills. Upon further review of my credit card statement, there were 12 more fraudulent charges in the month of January, about a third of them were for 7-Eleven. After all was said and done the total amount of fraud was $1,390.22!
I called the credit card and reported those as well. While she processed the reversals, I asked the specialist if they used the canceling of the old credit card as an opportunity to catch this criminal who basically stole $1400 from stores like Target, Food4Less, and 7-Eleven. She said no. But why not? Why wouldn’t they put an alert on the card number so if it’s used again, they haul this crook to jail? She didn’t know why.
It seems to me that the stores would beg for this. They don’t want to eat the purchased amounts and that’s what happens when the fraudulent charges are reversed. Thank goodness I’m not responsible for them, but it doesn’t seem right that the stores take a loss because someone broke the law. Have you ever had this happen to you?
Did you get to keep the reward miles?