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Credit card fraud overseas refused by HSBC

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  1. #1

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    Oct 2017
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    Credit card fraud overseas refused by HSBC

    Hi all,

    I recently was overseas and a charge was made on my credit card immediately after my use of it. The first charge was legitimate, the second which was made with a different company's name was to a tune of 195625 Yen (pretty obscure number..) but equated to just o er $14000 HKD.

    I disputed the charge with HSBC, was told because I was there as a 'face to face and chip validated charge', I 'should be more diligent with my card and keep it in my sight'. This was absolutely a fraudulent charge, yet HSBC have now told me that as far as they are concerned because there was a charge slip supplied by the company (that they will give me no information on, although it comes through as 'Maximos'), and I was present for the charge, it's case closed.

    Does anyone know any way I can challenge this further or get HSBC to actually give a damn?

    Thanks,

    Cam.

    TigerSun likes this.

  2. #2

    Join Date
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    Maybe the HK monetary authority can help?


  3. #3

    Join Date
    Oct 2017
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    Thanks, will give them a buzz tomorrow.


  4. #4

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    ask hsbc to show you the signature on the cc slip??

    jrkob and gigglinggal like this.

  5. #5

    Join Date
    Sep 2017
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    Credit card company doesn't care what kind of signatureon the slip. good luck!


  6. #6

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    If this was a chip and pin transaction then I don't see how you could claim this was a fraudulent transaction?


  7. #7

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    Quote Originally Posted by pat_togo
    If this was a chip and pin transaction then I don't see how you could claim this was a fraudulent transaction?
    Someone could have seen the customer entering the pin (especially easy to do if they have camera's) and then set up another transaction, using the PIN they observed.
    gigglinggal likes this.

  8. #8

    Join Date
    Oct 2017
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    121

    Of course there is something you can do!

    You don't need to pay credit card bills if it was cloned or stolen or defrauded. Otherwise you would bring cash, wouldn't you? That's the whole point of credit cards.

    Do you need to sign your credit card receipt? If yes, there you go. As long as there is no signature, or it's not yours, they must refund you.

    First thing you need to do is go to the police and lodge a complaint. Then go to HSBC with the complaint and complain with them more. They will probably back down and follow the law, if they see you have involved the police.

    If they still don't want to follow the law, tell them you will close your account and sue them. If they still don't do anything, go back to the police and sue them.

    I don't know why HSBC always hopes to get away with breaking the law, and why people still want to use such a bank.

    They once tried to defraud me by wanting me to pay some charges for nothing, and I wrote to them something like "Also multi billion dollar corporations need to respect the law. Please make my day and sue me. I would LOVE to show the world the ILLEGAL activities that HSBC is doing".

    The case was suddenly closed!


  9. #9

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    I would think that rather than fully investigating then chastizing you - ''be more diligent with my card and keep it in my sight', this would represent
    A/ recognition that a possible fraud took place
    B/ instant dismissal of HSBC liability because you lost sight of the card.

    I would think this would represent a radical change of terms of usage and invalidate all possible consumer claims of fraudulent activities where you lose sight of the card... ie: every expensive restaurant payment.
    As a consumer I would certainly want to know that I lose all protection against fraud if I use an HSBC credit card when I dine at our finest restaurants.

    This is of course absurd and I'm sure the I.M.F would love to hear about it.
    Report to police, document everything. Go get the bastards. Let us know your progress.

    Last edited by TigerSun; 26-10-2017 at 09:54 AM.

  10. #10

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    Quote Originally Posted by pat_togo
    If this was a chip and pin transaction then I don't see how you could claim this was a fraudulent transaction?
    Not chip AND pin. Just chip present on card.

    Easy to do this - the waitress takes the card to the back of the restaurant to process the bill, makes two transactions and presents one bill to the customer.

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