Posted By: Shannon R
Reg E - Authorized per Fraud Center - 01/26/23 11:52 PM
We have a client stating two transactions are unauthorized because he got an email claiming to be from Paypal to approve a request to transfer bitcoin. The client called the number on the email and spoke to the scammer. He was asked for his login credentials and his debit card information stating it was so the scammer could check for more fraud. He then had unauthorized charges on his debit card to a company in Dubai. One transaction and one is an international fee.
I found when reviewing the debit card the first Dubai transaction for the same amount and same company was declined because the fraud center blocked it due to a high risk rating. Per the fraud center they texted the client and the client responded to their text message “no fraud.†Due to this response, the transactions the client is disputing were able to go through.
Since the client responded “no fraud†for this transaction which is why the transaction went through can we deny the case? If the client hadn’t responded no fraud these transactions in question would not have been able to go through and there wouldn’t have been any fraud. It appears he wanted the transaction to go through by claiming no fraud but is now changing his story to say it was unauthorized.
I found when reviewing the debit card the first Dubai transaction for the same amount and same company was declined because the fraud center blocked it due to a high risk rating. Per the fraud center they texted the client and the client responded to their text message “no fraud.†Due to this response, the transactions the client is disputing were able to go through.
Since the client responded “no fraud†for this transaction which is why the transaction went through can we deny the case? If the client hadn’t responded no fraud these transactions in question would not have been able to go through and there wouldn’t have been any fraud. It appears he wanted the transaction to go through by claiming no fraud but is now changing his story to say it was unauthorized.