My VISA was used to buy stuff from Apple

[millerj123]

The credit card company,or the bank,always take the economic loss,if the card owner is not responsible.

I fully challenge your statement of fact. Do you have any proof of this? I do agree that for credit card transactions, the cardholder won't be responsible.

https://www.nerdwallet.com/blog/credit-cards/merchants-victims-credit-card-fraud/
http://www.lowcards.com/pays-fraudulent-credit-card-transactions-24850
http://www.creditcards.com/credit-card-news/understanding-EMV-fraud-liability-shift-1271.php

At first, the issuing bank will remove the charge from the cardholder's account, so the cardholder is not liable. But, they will then determine if the merchant had adequately protected the transaction. If not, they will revoke payment to the merchant's account. At this point, the merchant is out both payment and goods.

Now, these reflect US rules, and the OP is in Europe, and the rules over there are probably different.

 

[Stefan johansson]

I fully challenge your statement of fact. Do you have any proof of this? I do agree that for credit card transactions, the cardholder won't be responsible.

https://www.nerdwallet.com/blog/credit-cards/merchants-victims-credit-card-fraud/
http://www.lowcards.com/pays-fraudulent-credit-card-transactions-24850
http://www.creditcards.com/credit-card-news/understanding-EMV-fraud-liability-shift-1271.php

At first, the issuing bank will remove the charge from the cardholder's account, so the cardholder is not liable. But, they will then determine if the merchant had adequately protected the transaction. If not, they will revoke payment to the merchant's account. At this point, the merchant is out both payment and goods.

Now, these reflect US rules, and the OP is in Europe, and the rules over there are probably different.

Yes,in Europe,it's usually,if the card owner is innocent,the card company that's economically responsible.

 

[Brian Y]

But, I've already been ridiculed at suggesting this could be in-store. Apparently, we should always assume the transaction was online or over the phone, I'm not clear. And, I have no respect for the OP.

Assume it was in-store. The cardholder is not going to be liable. Who do you suggest is going to be out money?

It varies based on the situation (something the op doesn't seem to grasp).

If it was a chip and pin transaction - and the correct pin was entered, the CC company takes the hit.

If it was a signature transaction and the retailer can produce a signed receipt (or digital signature), the CC takes the hit.

If it was a signature transaction and the retailer can't produce a signed receipt, the retailer takes the hit.

If it was contactless, the CC company takes the hit.

Basically - if the retailer took all precautions they could have, they won't lose out. I don't know where this stands with Apple Pay, etc. I would assume Apple Pay is treated like a chip and pin transaction, as it's assumed to be authenticated (by fingerprint or passcode).

 

[Tsuchiya]

It varies based on the situation (something the op doesn't seem to grasp).

If it was a chip and pin transaction - and the correct pin was entered, the CC company takes the hit.

If it was a signature transaction and the retailer can produce a signed receipt (or digital signature), the CC takes the hit.

If it was a signature transaction and the retailer can't produce a signed receipt, the retailer takes the hit.

If it was contactless, the CC company takes the hit.

Basically - if the retailer took all precautions they could have, they won't lose out. I don't know where this stands with Apple Pay, etc. I would assume Apple Pay is treated like a chip and pin transaction, as it's assumed to be authenticated (by fingerprint or passcode).

Pretty much this. I also want to add that Apple at best would check to see if the transaction was handled correctly, if so, they'll shrug and let the bank deal with it.

Also for Apple Pay, Specialists are advised to never really question it and allow the transaction.

I'd still refuse to do the transaction if I thought it was fraudulent though. Sometimes it was obvious.

 

[sendas]

It varies based on the situation (something the op doesn't seem to grasp).

If it was a chip and pin transaction - and the correct pin was entered, the CC company takes the hit.

If it was a signature transaction and the retailer can produce a signed receipt (or digital signature), the CC takes the hit.

If it was a signature transaction and the retailer can't produce a signed receipt, the retailer takes the hit.

If it was contactless, the CC company takes the hit.

Basically - if the retailer took all precautions they could have, they won't lose out. I don't know where this stands with Apple Pay, etc. I would assume Apple Pay is treated like a chip and pin transaction, as it's assumed to be authenticated (by fingerprint or passcode).

It could be neither of those "ifs"

With the number of the card, name, date and csv code you can do everything ....

 

[Brian Y]

It could be neither of those "ifs"

With the number of the card, name, date and csv code you can do everything ....

Yes. If a transaction was processed with those details in-store without a signature, it would meet the above conditions (not having a signature strip).

 

[Bubble99]

I've done that, and they are doing that. I also went to the police. I don't know what CSA is. I'm from Portugal, Europe.

I'm just curious about what is apple going to do to help the bank and me. Aren't there guidelines ?

Help by what? Apple give your money back?

You asking if Apple or the bank will give you money back?

You asking if Apple will do a investigation?

 

[sendas]

What will help do to assist the bank in their investigation; I suppose there are procedures in place in cases like this no ?

 

[Bubble99]

What will help do to assist the bank in their investigation; I suppose there are procedures in place in cases like this no ?

In your country when you make bank transaction or buy stuff does it not show the time, day and address on your slip?

 

[BittenApple]

What will help do to assist the bank in their investigation; I suppose there are procedures in place in cases like this no ?

get your money back and move on with your life. use this time and energy and go mack on a female. (or male if that is the case)