bangkeroboy21 wrote: »
migrating eh? hmm, don't know about that, but that's a game changer no doubt, pero bro keep in mind, international bank yang ulupong na yan.
glenchuy wrote: »
^^ shouldn't you have reported the lost card incident ASAP (stolen months ago is a seriously long time)? your bank would have either a.) declined the transaction or b.) refunded the transaction
the merchant really should have checked the ID, but there are a lot of establishments which don't. (supermarkets, restaurants, retail). i'm not saying that there's no fault in the merchant, but it feels like you're washing your hands off from the situation as well.
spindoctor28 wrote: »
I actually agree with glenchuy. It's actually protocol for a user to report the loss ASAP to the concerned bank to avoid any unauthorized transactions. Although we can argue that the establishment could be held liable for "permitting" such transaction (i.e. not asking for a valid ID), but at the end of the day it is also the consumer's responsibility to safeguard his credit line(s) at all times. I did this when my card got lost only to realize after that I left it in the machine where I paid my bill.
On the other hand, it was quite rude and unprofessional of the store owner to make such remarks. What was your response to his statement though?
Lolita wrote: »
Bingowingo, may I know the status of your case with Citibank?
Same thing happened to me in 2009. 3 of my credit cards were stolen (Citi, HSBC, Bankard) and umabout to almost P200k ang fraud transactions within 3 hours lang.
Until now Citibank is still demanding that I pay for the transactions. Nagmamatigas ako na di ko talaga babayaran. I reply to their demand letters religiously and even to their collection agencies. Nakakapagod nga lang and nakaka-stress.
Hope you can inform me of your next step and if Citibank will be charging back the fraud txns. Thanks.
BingoWingo wrote: »
I told him that I would post his unscrupulous statement here at pex and report it to my card company. My card company(Citibank) is washing its hands off this merchant, claiming that it was not their terminal that it was swiped, so they cant do anything about it.
TranquilSoul wrote: »
im somewhat concerned about citibank's response....that it was not their terminal that was swiped? dapat pala sa mismong bank terminal ng cc ang pag-swipe? eh di andami kayang shelves siguro sa cashier counter para ilagay lahat ng cc terminals per bank? so useless lang pala mag report ng stolen card, kasi pag hindi sa terminal ng bank na-swipe they cannot detect the card flagged as stolen?
BingoWingo wrote: »
Actually its the other way around. Citibank is washing their hands off this merchant, and they told me because it was not their terminal that was swiped, that they cant do anything about it. They did not even send someone to investigate this matter, as I talked to the dispute officer. Kaya tuloy ang raming fraudulent uses tayo sa Pinas eh. They dont want to decline the transaction, after repeatedly reported it on day 1 as well.