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Discover or other banks/credit card companies will not just handover credit card numbers to Amazon. This would be a serious banking violation. What you're des

Discover or other banks/credit card companies will not just handover credit card numbers to Amazon. This would be a serious banking violation. What you're describing is credit fraud. Amazon has no idea who authorized users of the card are. It's not required that the name on the card match the name of the person using it. Many places want it to match to prevent fraud as often times the end business is left with the loss of money and product but there's no legal or policy requirements. It's only that a person has been authorized to use it CC numbers leaked from hacks that happen all the time. If this has happened twice in a row now, most likely the leak is on your side somewhere. Someone may have access to your systems or it could be a restaurant you frequent or any number if things. Amazon isn't the one to contact about fraud, your credit card company is the one to contact. Their department has access to all the charges and fraud reports. Credit card companies do correlate fraud reports between them. One of the most simple and basic attacks is simply copying credit card numbers down at restaurants or any other place where your card may be out of your site for a few moments and it's totally normal for that to be the case. You don't have any legal recourse against Amazon because they didn't do anything wrong. Unless of course you can show that they were the ones that perpetrated the fraud but them simply accepting a card it is appropriate for them to assume it was authorized to be used. Any legal recourse would be against your credit card company but in my experience I have never had to go the legal route with a credit card company. They are excellent at reimbursing for fraudulent charges and reissuing cards and tracking down the source of the fraud. If discover has not immediately reimbursed you for the charge on your card then they are the ones you need to talk to and point out these are fraudulent charges and the fraud happened twice. There should be no need for legal recourse because you have suffered no damages.

josephcsible 4y ago
> them simply accepting a card it is appropriate for them to assume it was authorized to be used At first it was appropriate, but once he called them and said it wasn't authorized, then it wasn't anymore.
- lgats 4y ago
  How would amazon know if he is the true ‘authorized’ owner of the card, or perhaps someone who is just trying to mess with the owner of the card? The only solution here is really to get a new card number
toast0 4y ago
> Discover or other banks/credit card companies will not just handover credit card numbers to Amazon. This would be a serious banking violation. Card issuers generally participate in credit card account updater programs. Although, when a new number is issued due to fraud, they're supposed to not include that in the updates.
- starwind 4y ago
  I'm sure that's exactly what happened here. You can opt out of that but it's a pain in the ass and some companies make it so you have to do it for each merchant
- elmerfud 4y ago
  Card issuers will not automatically update merchants with changed card numbers. Card issues will identify automatic charges and alert you too update them. Merchants can have an agreement with issuers to access your account but this is 100% opt-in mechanic and can't be accidentally tripped over. I haven't looked on my Amazon account but I've never been offered that option as they have no reason to access my credit card account.
  - toast0 4y ago
    Have a look at some merchant facing (sales) documentation about account updaters [1]. I'm not affiliated (or even in the payments business, thank goodness), but this seems like a pretty decent overview of programs. Maybe your issuer doesn't participate, but most do. Many merchants that do recurring or card on file billing will use these services because people often inadverdantly forget to update accounts and don't respond to notifications but do contact customer service when the renewal fails or their new order fails. [1] https://paymentcloudinc.com/blog/account-updater/ https://paymentcloudinc.com/blog/account-updater/
    - elmerfud 4y ago
      All of these are opt-in services not automatic services that get enabled without your knowledge.

josephcsible 4y ago

> them simply accepting a card it is appropriate for them to assume it was authorized to be used At first it was appropriate, but once he called them and said it wasn't authorized, then it wasn't anymore.

lgats 4y ago
How would amazon know if he is the true ‘authorized’ owner of the card, or perhaps someone who is just trying to mess with the owner of the card? The only solution here is really to get a new card number

toast0 4y ago

> Discover or other banks/credit card companies will not just handover credit card numbers to Amazon. This would be a serious banking violation. Card issuers generally participate in credit card account updater programs. Although, when a new number is issued due to fraud, they're supposed to not include that in the updates.

starwind 4y ago
I'm sure that's exactly what happened here. You can opt out of that but it's a pain in the ass and some companies make it so you have to do it for each merchant
elmerfud 4y ago
Card issuers will not automatically update merchants with changed card numbers. Card issues will identify automatic charges and alert you too update them. Merchants can have an agreement with issuers to access your account but this is 100% opt-in mechanic and can't be accidentally tripped over. I haven't looked on my Amazon account but I've never been offered that option as they have no reason to access my credit card account.
- toast0 4y ago
  Have a look at some merchant facing (sales) documentation about account updaters [1]. I'm not affiliated (or even in the payments business, thank goodness), but this seems like a pretty decent overview of programs. Maybe your issuer doesn't participate, but most do. Many merchants that do recurring or card on file billing will use these services because people often inadverdantly forget to update accounts and don't respond to notifications but do contact customer service when the renewal fails or their new order fails. [1] https://paymentcloudinc.com/blog/account-updater/ https://paymentcloudinc.com/blog/account-updater/
  - elmerfud 4y ago
    All of these are opt-in services not automatic services that get enabled without your knowledge.