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Why is there no legal recourse here outside of spending my own time/resources to cancel cards and deal with all the BS that occurs with that whenever this happe
by icelancer 9y ago
Why is there no legal recourse here outside of spending my own time/resources to cancel cards and deal with all the BS that occurs with that whenever this happens? There should be financial repercussions, each affected individual should be awarded monetary compensation for their time.
- brians 9y agoYou agreed not to get that when you got the card. And they agreed to pay you any money damages without arguing much. It's a good deal, but you can choose to use cash if you pref
- icelancer 9y agoNot the card issuer. Chipotle.
- ryanlol 9y agoWhy do you need to cancel your cards?
- icelancer 9y agoIf card data was stolen.
- ryanlol 9y agoDo you know for sure your card data was stolen? If not, this isn't necessarily something you need to be very proactive about.
- icelancer 9y agoNo, but it has been in the past. I'm speaking theoretically in general when people are wronged by things like this.
- kingnothing 9y agoYour credit card company should offer a $0 liability policy for fraudulent charges. If not, switch card companies. Then it's their problem not yours.
- ryanlol 9y agoYes, and if you're with a decent company chances are they'll automatically send you a new card if you've been affected.
- pacaro 9y agoLeaving you without a card for 7-10 business days.
- ryanlol 9y agoNo, this generally doesn't involve immediately cancelling your existing card, sending you a new card and canceling the old one when it arrives is a much smoother experience. Who doesn't ship next day anyway?
- pacaro 9y agoMe experience is that at the first evidence of fraud or compromise the card is cancelled. The replacement arrives 7-10 days later. I'm sure it depends on the issuer, but banks in the US tend to a lowest common denominator customer experience.
- kevin_thibedeau 9y agoChase didn't bother sending me my chip-and-pin card before canceling my old one. Took a week to get the replacement. Pissed me off to hell since the previous card was less than a year old and they should have just issued me the chipped card then.
- literallycancer 9y ago
- tyingq 9y agoThere is legal recourse. It just isn't automatic. Same thing if you slip and fall at a Chipotle. They offer as little as they think they can get away with, often that's nothing.
- dstaley 9y agoI believe that since Chipotle was still using magstripe credit card readers that they are now financially liable for any fraudulent charges on your account.
- treyfitty 9y agoA bit misleading- Chipotle is responsible for Chipotle transactions that get disputed as fraudulent. Not just any fraudulent charges (subsequent transactions occurring after a swipe at Chipotle).
- scott00 9y agoNot a lawyer, but you probably do have cause for a lawsuit. Search "credit card data breach class action" and find lawyers/law firms who have handled similar cases in the past. If your data was compromised by a deep pocketed company and it was a large scale breach you can probably find a lawyer to file a class action on contingency.