Dispute credit card fraud charges? Here’s What You Need To Know – CBS Sacramento

SACRAMENTO (CBS13) – When a Sacramento woman’s credit card company got her out of her pocket with a fraudulent fee of nearly $500, she called Kurtis for an answer.

Rose Moxley took a trip to Paris in October to celebrate her daughter’s 30th birthday. Unfortunately, while touring the Palace of Versailles, she realized her Chase credit card was lost.

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The next day, she received a fraud alert and deactivated her card. When she returned home to Sacramento, she realized that the thieves had taken out nearly $500 on 21 separate charges. She said Chase had initially agreed to withdraw the charges.

“And then I looked at my bill the next month and all the fees were charged back,” Moxley said. “It was really emotional. That’s great because I have a lot of financial balls running at any given time and I hope the companies may not be all that great, but at least do their job well. . ”

Moxley, the branch manager of Sierra Pacific Mortgage, later appealed Chase’s decision, submitting pages of evidence that showed she and her daughter were across Paris when the fraud allegations arose.

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After Chase denied his appeal, Moxley filed a complaint about the disputed allegations with the Consumer Financial Protection Bureau. A review of the CFPB’s database found that she is one of 2,600 Californians who have filed similar complaints with the agency since 2020.

Unfortunately, that appeal was also rejected. But when CBS13 contacted Chase about Rose’s situation, they reversed their decision.

“My biggest problem is that I don’t know if I’ll ever feel comfortable traveling again,” she says. “What happens when it happens again? Someone might not charge $480. It could be $5,000 in one drop. “

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That might make you wonder what to do if you ever find yourself in a similar situation.

• First, report it to the police. When you do that, you risk lying to yourself if you don’t tell the truth, so that gives your claim more weight.

• Then attach the police report to the appeal you file with your credit card company. And be sure to include any other documentation that proves you didn’t bring up the disputed charges.

• If that doesn’t work, try filing a complaint online with the CFPB.

A spokesperson for Chase said that, after a detailed review, they are pleased to drop the allegations and offer the following advice:

• If you have concerns about your account, contact your bank immediately.

• Actively protect yourself by activating alerts to monitor your finances.

• If you misplace your card, you can easily block it online or through your bank’s app.

• Use your bank’s tools to track where your card information is stored online.

https://sacramento.cbslocal.com/2022/02/09/disputing-credit-card-charges-what-to-know/ Dispute credit card fraud charges? Here’s What You Need To Know – CBS Sacramento

Dustin Huang

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