internet fraud - debit card?
What are the chances of receiving your money back if a money has been taken out of your account (through betting) over the internet? Is it easy to poove that it wasnt you? What's to say that it wasnt you in another part of the country? I just dont see it as clear cut. My girlfriend has lost quite a bit of money because of this. The bank has said 'fill a form in and if we can proove it wasnt you, you'll receive the money back'. What process do they go through to check this?
Any comments would be appreciated.
- janLv 71 decade agoFavorite Answer
Your chances are good if you are telling the truth.
- Bostonian In MOLv 71 decade ago
All on-line card processors record the IP address of the source of the transaction. If that points to your girlfriend's home, she'll probably be arrested for bank fraud if she files that statement.
If her account PIN was used or the security code form the card was entered correctly, it will "prove" that she either authorized the use or did it herself.
If the numbers match up, but the IP doesn't -- let's say that it was entered from Nigeria or some other foreign country -- it may be that she was a victim of a phishing scam. In that case, she should get her $$$ back. She should also cancel the card and have it re-issued with a new number if this is the case.
If she actually did gamble the money away then the bank's investigation will probably support that. Claiming that it wasn't her could lead to serious legal problems.
Hopefully you're not in the US. On-line gambling is illegal under US law, even from states where it is otherwise legal. Banks are barred from processing transactions involving gambling sites. Many sites use third-party processors to hide the link to gambling activity. This is pretty obviously to circumvent US law. In such cases, the banks are probably barred from charging back the funds unless outright fraud (theft, phishing, etc.) was involved.
If she's innocent and the bank won't deal, she'll probably need to hire an attorney.
- Sir Sidney SnotLv 61 decade ago
They normally make you sign a declaration and of course if that turns out to be fraudulant then it will be used in court against you.
- great oneLv 61 decade ago
seems you would have to provide evidence that it wasnt you (card holder), contact the site/place where the card was used to get record (they tend to record ip address.
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- 1 decade ago
bostonian... gave the best answer.