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It’s even worse for people using prepaid banking cards like GoBank. I got issued one of these debit cards from an employer. Months later, someone skimmed my deb
by appleshore 7y ago
It’s even worse for people using prepaid banking cards like GoBank. I got issued one of these debit cards from an employer. Months later, someone skimmed my debit card presumably at a gas station. While at home, someone withdrew $265 out of my account.
I call to report it. The 800 number says you can email the dispute but an operator told me that was outdated. I’d have to mail it into a PO Box. I repeatedly asked if they would inform law enforcement as dozens of other people’s cards were likely stolen.
Approximately a month later, GoBank responds and denies my dispute. I then searched for the executives, emailed them, someone called me and the next day my money was returned. Yet I’m assuming no one investigated the actual theft.
If you ever have problems communicating with customer service people, the only thing you can do is email the executives and suddenly you have a real person capable of understanding and making actual decisions.
- novaleaf 7y agonever use debit cards for payments. When fraud occurs you have little/no recourse. I dislike credit cards, but at least with them you can contest fraudulent charges and more often than not, succeed.
- nrb 7y agoTotally anecdotal, but I’ve had a great experience with Capital One 360. I never really use the card except for occasional ATM withdrawal but the number was somehow nabbed and a fraudulent charge was processed. Since I have it configured to send me a notification on every transaction, I noticed instantly and froze the card from the mobile app. A 5 minute call to their fraud dept later and the funds were returned to the account pretty much immediately during their investigation (which eventually came back successful) and a new card was sent next-day delivery for no charge.
- m463 7y agoI wonder if the ultimate responsibility could regress to your employer? They gave you not-money in a way that never reached you.