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Looking through the comments on reddit, there are a number of people people stories about how something similar happened to them and it turned out that either 1
by resoluteteeth 7y ago
Looking through the comments on reddit, there are a number of people people stories about how something similar happened to them and it turned out that either 1) they had been mailed a new card that was intercepted and successfully activated by someone, or 2) despite what the bank claimed, it turned out the transaction wasn't actually a chip transaction, so these are probably good possibilities to look into if this happens to you.
- fortran77 7y ago#1 is interesting. Someone can have a dupe card sent to you and steal your mail. And the bank won't reverse the charge. That seems like "chip fraud" of a sort. Allowing the banks not to be liable for fraud on "chip cards" seems like a mistake.
- spease 7y agoWould this be considered fraud eligible for a reversal if they had swiped the same card? (Eg the store chip reader was broken)
- u801e 7y agoWould the original card continue to work in that case? You could simply state that you never requested a replacement card and still have the old card in your possession.