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Debit Card Returned, Card Info Used

Answered by: 

Question: 
If after the suspect gave “Tiffany” her card back, he used her card number to make an online purchase without her knowledge, is she still liable even though he gave her the card back?
Answer: 

I and other bankers would say “Yes, she is liable.” Because the access device is a card or code. This same theory holds true when that information is loaded on an e-device such as for gaming and is now tied to an account which allows ongoing purchases.

This has not been confirmed by any regulatory agency that I have read but it is a common interpretation based on the definition of “access device” which makes sense.

First published on 11/07/2021

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