I had a brand new, unused, still not activated Mastercard used to purchase items. This was when Canadian Tire changed from a store card to a CTC Mastercard. After three months of it sitting in the drawer in my office, I phoned the 1-800 number and activated it. A few hours later, I went to Canadian Tire and attempted to buy a $30 truck part. My card was declined. I was over my limit.
I phoned CTC and was told that because my card was at the limit, I could not use it until I brought the total down.
I told them that was impossible, saying that I had just activated the card earlier in the day and that I could not have a balance on a new card. The computer would have a record of me phoning to activate the card. The operator then asked if I was claiming that the charges made to the card were fraudulent. I said yes, and I wished to talk to the their fraud people.
The person from their fraud department kept saying , "ARE YOU SURE
that you didn't buy anything?" After three or four times of her saying this, I got fed up and asked her if she understood that I just activated the card that morning. Then I asked her if she knew the dates that my card (or actually, the number assigned to it) was used to purchase the items. She had the purchases on her computer screen.
That was when I began to make headway. Grudgingly, she told me that I would be sent forms to fill out. And yes, I mean grudgingly. She was in a bad mood throughout our exchange. She cancelled the number and I was warned not to try to use the card. Duh.
There were at least a dozen purchases, and I had to sign a form for each, stating that I had not bought these things.
I talked to a friend with the OPP fraud squad later and he said that it was probably a counterfeit card because the items were obtained from retail locations.
Years later, someone in Germany used my Visa card to buy an item worth approx. $350. It showed up on my monthly statement. I phoned to report it. This time, it was quickly and pleasantly handled, without the insinuation that I had somehow 'forgotten' the purchase.
Fraud does happen, but I blame Cliffy.