New York State
Two of my CC numbers (I use them every day online for business) were apparently stolen around the same time. One bank caught the first fraud charge before it went through. The other bank let $8K of charges to ebay's Half dot com go through with no fraud trigger at all. I found the charges about two days after they cleared and reported them around June 7th. I also found that ebay/Half dot com on its own had already reversed about 5K of the charges, leaving 3K. Whether the rest would have been reversed had I not closed the account, I don't know.
I've turned in the notarized fraud affidavit etc. In the month since, all I've gotten is one "we have received the information you sent" letter dated July 4th that barely squeaked under the 30 day deadline. In the meantime they have not put these 3K remaining charges into disputed status, in fact, the rep suggested I pay them. And they have already charged me one months' worth of finance fees on them. Another month's worth is coming up in 7 days; in addition I need to pay a "$52 minimum payment" this month on the unresolved fraud charges (I have no legitimate, non-fraud charges on the card) or deal with a snowball of fees. Their rep told me "I might or might not get those fees back" down the road.
Is there anything I can do at this point? Someone suggested I file a FCBA dispute, but it says you must "make a good faith effort" before proceeding, and that the bank has 90 days to fix the problem. Still, it looks like I'm going to be jerked around here if I don't do something.
Two of my CC numbers (I use them every day online for business) were apparently stolen around the same time. One bank caught the first fraud charge before it went through. The other bank let $8K of charges to ebay's Half dot com go through with no fraud trigger at all. I found the charges about two days after they cleared and reported them around June 7th. I also found that ebay/Half dot com on its own had already reversed about 5K of the charges, leaving 3K. Whether the rest would have been reversed had I not closed the account, I don't know.
I've turned in the notarized fraud affidavit etc. In the month since, all I've gotten is one "we have received the information you sent" letter dated July 4th that barely squeaked under the 30 day deadline. In the meantime they have not put these 3K remaining charges into disputed status, in fact, the rep suggested I pay them. And they have already charged me one months' worth of finance fees on them. Another month's worth is coming up in 7 days; in addition I need to pay a "$52 minimum payment" this month on the unresolved fraud charges (I have no legitimate, non-fraud charges on the card) or deal with a snowball of fees. Their rep told me "I might or might not get those fees back" down the road.
Is there anything I can do at this point? Someone suggested I file a FCBA dispute, but it says you must "make a good faith effort" before proceeding, and that the bank has 90 days to fix the problem. Still, it looks like I'm going to be jerked around here if I don't do something.
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