Identity Theft

Looking at the credit card bill two days ago and found that there's this suspicious item. 100元正 in a Esso in Lancaster, which is almost to Montreal. 多番查證後確定不是自己的 purchase, 就叫詹占(是我們的 credit card) 打電話去 credit card 度報案.

The lady on the phone, I don't know if she's simply stupid or bad customer service, she told us to call the Esso on our own and tell them to give us a refund. We were like, WTF! Who the hell would give you a refund by calling them and said that you didn't make the purchase?? And she told us to find out the phone number on our own when we were not even that sure if the item description means the Esso in Lancaster cos the description was a short form. It was just a guess, although we are quite sure the guess was right. The lady didn't give us any info at all. She even said that the card was swiped there so it's really not a fraud. Are you stupid or something? Of course the card, or the magnetic strip of the card was somehow swiped in order to make the purchase. How else was the purchase made otherwise? Our card does not have that paypass chip. The fact that the magnetic strip got swiped at the location does not mean that it's not fraud. The strip could have been faked. Moron!

She basically said that the credit card company can't help us n we should pursue to have a refund from the gas station instead. What kind of customer service was that? I thought that credit card have this fraud protection so that we would not have to pay for anything that we didn't purchase. If this card is really that insecure and that there's no protection, I don't think that I want to continue with it anymore.

Anyway fine, we call the Esso and the person was actually quite nice. Instead of treating us like a wacko who just wanted to 騙錢 he actually gave us some info. He said that if we have the exact time of purchase, he could pull out the video tape to see if we can find the person. But if we don't have the exact time (which we don't have of course), he can't help us and that we have to call the credit card company. Not surprised, we don't really expect him to give us the refund so 順灘 anyway.

Called the credit card again the next day and this time, we successfully got transferred to the dispute department. This department was also a little stuipd, they don't seem to quite understand our point n told us that maybe we made the purchase but the amount was not correct. So, it is a dispute, not a fraud. But we checked our records and there's no way we would have got gas that day (we got gas 3 days before and 2 days after. We don't usually need to get gas in less than 3 days). Since they thought that it was a dispute, they tried to tell us to tell the gas station to correct the purchasing amount. This basically sent us in a circle. The gas station is NOT going to give us any refunds, especially we don't have any receipt to prove the amount we spent since we DID NOT spend any money there.

After explaining the situation a few times, they finally understands and sent us to the security department. Our card is cancelled and we are waiting for a new card to arrive.

Instead of getting all scared of this identity theft, I'm more pissed off then anything at that lady that we called when we first found out about the theft. Really really really want to file a complain about her.