26 June 2022 17:46

What can I do if I believe I made a debit card purchase from a fraudulent site

If you spot a fraudulent transaction, call the card provider’s toll-free customer service number immediately. Follow up with a written letter. Your monthly statement or error resolution notice will tell you how and where to report fraudulent charges or billing disputes.

What to do if you ordered something from a fake website?

If you see a scam, or want to report a problem about online shopping, please tell the FTC at FTC.gov/Complaint.

Are you responsible for fraudulent charges on a debit card?

With ATM or debit cards, you must act quickly to avoid full liability for unauthorized charges when your card is lost or stolen. Under the federal Electronic Fund Transfer Act, your liability is: $0 if you report the loss or theft of the card immediately and before any unauthorized charges are made.

Can I get a refund if I get scammed?

If you present reasonable evidence that you were the victim of a scam, your bank or credit card company may be legally obligated to refund the money. Government agencies that protect consumer rights can help you get your money back if your bank or credit card company refuses to cooperate.

Can I dispute a payment if I was scammed?

Consumers can dispute fraudulent charges on their bill by calling their issuer. This is typically a quick process where the issuer will cancel the credit card in question and reissue a new one. You also have the right to dispute a credit card charge for a purchase you willingly made.

Can you dispute a debit card charge online?

If your bank has a way to dispute transactions online, doing this can count as disputing a transaction in writing, Feddis said. You can often find a phone number on the back of your debit card. Calling your bank can be a good way to start the dispute process, but shouldn’t be the only thing you do.

How do I dispute unauthorized charges on my debit card?

Disputing a debit card charge involves contacting your bank and asking it to cancel the error, which restores your balance to its previous level. The bank’s final decision can take up to 10 business days. Call your bank’s customer service hotline, which you can usually find online or on the back of your debit card.

How do I get my money back from an online purchase?

If you never got your order and the charge appears on your credit card statement, you can dispute it as a billing error. File a dispute online or by phone with your credit card company. To protect any rights you may have, also send a letter to the address listed for billing disputes or errors.

Can I cancel a debit card transaction?

You may be able to cancel a pending credit or debit card transaction by contacting the merchant and asking them to cancel the sale. But the timing is important.

Can I get my money back if someone used my debit card?

My debit card has been used fraudulently
If someone has used your card in a store or online, you’re covered under the Payment Services Regulations. The regulations state you must be refunded immediately if you’ve had money taken from your account without your permission.