Credit card dispute denied, and then…

She had a great time on vacation in Mexico but when she got home she discovered a crook had a good time with her credit card When she disputed the fraud the card company disclosed Too bad Why Tonight s Help Me Howard with Patrick Fraser Get away In a car On a plane Go away and enjoy yourself Joanne Chalom Yes we voyage a lot We like going places new adventures Joanne and her husband have seen the states and the world Joanne Chalom We have been to Spain Portugal we in recent weeks went to Mexico It was a great experience except for the last day Notice that pause from Joanne because of a stop at a souvenir shop in Mexico Joanne Chalom We picked up this decorative plate You can see it goes really nicely with the ones we picked up from Portugal and Spain She charged the for the plate on her credit card A couple of days later when Joanne got back to South Florida she checked her report Joanne Chalom I got a big surprise when I got home There was an additional charge for a jewelry store The issue Joanne had not purchased anything from a jewelry store so she moved briskly Joanne Chalom OK I ll just call my credit card company and summary the fraud and it ll be taken care of When Joanne disputed it the charge disappeared while the credit card company investigated Two months later they wrote to Joanne that the charge was valid because the card was in your possession and chip card machinery cannot be counterfeited Joanne Chalom Because I have the physical card it had to be my responsibility Meaning the plus interest was back on her announcement Joanne Chalom So I m stuck paying for something I never purchased Joanne kept fighting and urged the credit card company for a receipt to show where the jewelry charge was made They didn t supply it but in turn sought her for a receipt Joanne Chalom They want me to prove the impossible How am I supposed to present to them a receipt for a product I never purchased Joanne went online to try to find the store where the charge was made As far as she could tell it doesn t exist Joanne Chalom And this has been going on for months It s frustrating Can you help me Patrick Can you help me Howard We will try Joanne And after a little digging we think we know what might have happened Wanna explain it Howard Howard Finkelstein I would bet there was a second machine under the counter registered to a different business and the clerk swiped the card on that machine creating the charge More importantly Joanne does not have to pay because federal law limits her liability to for any unauthorized use which this clearly was I contacted Joanne s credit card company Barclays They were great They recounted me they would look into it A limited days later I got an email that began The analysis is complete It s a positive outcome We will let Joanne pick it up from there Joanne Chalom Ultimately will permanently remove the unauthorized charge and the interest for the charge Joanne then questioned Barclays to waive the fee for her credit card for the next year Joanne Chalom As a kind of thank you for the frustration that they caused Patrick Fraser And they reported Joanne Chalom They reported Sure ' Her credit card headache is gone Joanne is happy after her call to Help Me Howard Joanne Chalom You managed to make more headway in two days than I could in five months So thank you You are welcome Joanne and glad we could help you Now if you get a false charge or don t get something you paid for with a credit card be sure to dispute it but to avoid phony charges never let the card out of your sight in places like a store or a restaurant Need chosen tips on how to handle credit card disputes The links are under this Help Me Howard story Your travels caused troubles Feel like taking flight to avoid them Let us take charge and you don t even have to give us credit for helping With this Help Me Howard I m Patrick Fraser News FOR MORE INFO Consumer Financial Protection Bureau TipsFederal Transaction Commission Tips CONTACT HELP ME HOWARD Email helpmehoward wsvn comReporter Patrick Fraser at pfraser wsvn comMiami-Dade - -WSVNBroward - -WSVN