Everyone is affected by credit card fraud, and even the new chip cards can’t fix most of this. Rfid Blocking Handbags. That’s because so much business today occurs over the Internet or via phone where no card is present. And fraudsters can get your card information in many other ways. But fraudsters do not only steal and use the credit card information of consumers; they also pose as complaining consumers to fraudulently get out of paying merchants for purchases made on a credit card. Fraud secure credit card, Rfid Blocking Card Case.

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Often these frauds occur due to identity theft or bogus online offers for products or services that aren’t delivered or aren’t as advertised. Another common fraud is “free trials” that turn out not to be free and become a nightmare of recurring charges after consumers unwittingly agree to a monthly charge for a membership to receive a product they don’t want each month. Such scams entrap millions of consumers, and often law enforcement can do little, since there are so many fraudsters operating, many of them overseas. However, if consumers recognize and respond to the fraud in time, they can go to their bank, claim fraud, and get their charges reversed, usually with no dispute raised by the fraudsters, who are on to the next victim. Fraud credit card problems.

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At the same time, due to tightening policies to protect consumers who claim fraud, another type of fraud that has gotten little attention is clients and consumers who are defrauding merchants, service providers, professionals, and freelancers by falsely claiming they have been defrauded and use their claim to get out of paying for a product or service. This scam is particularly a problem for those engaging in online transactions and getting paid by credit cards or PayPal, because when a client or consumer claims fraud, the merchant or other provider has to prove there was no fraud. Even extensive e-mail exchanges showing there was an authorized transaction aren’t enough.

Commonly, the online vendor also needs to show a contract or agreement for the product or service provided, plus other evidence showing that the client or consumer approved the transaction, willingly provided the card number, and actually received the product or service. But if the client or consumer says he or she didn’t provide the number or didn’t receive the product or service, that’s usually it. It’s like a person calling out “Fire” in a crowded theater, whereupon everyone flees, and when the authorities show there was no fire, the person who called out “Fire” gets away with no penalty for a false claim.

The problem is that clients and customers can easily lie to claim the charge wasn’t authorized and that they didn’t engage in the transaction. Normally this fraud claim doesn’t happen with legitimate customers and clients, especially when there is an ongoing relationship. But some fraudsters use the crackdown on fraudulent credit card charges to pose as victims in order to defraud legitimate businesses that provide products or services via the Internet or phone. This situation has become increasingly common, as millions of vendors now use websites and customer service portals to attract customers and clients. Unfortunately, many of these vendors and service providers can be defrauded by credit card con artists.

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Certainly, the vast majority of transactions occur without a problem, and many successful businesses have been built based on online and phone agreements and charges. Likewise, most customers and clients pay for and receive products and services via the phone or Internet without needing to have a face-to-face meeting. But the potential for fraud by clients, customers, and merchants alike is there.

In some cases, these transactions start out as legitimate purchases, such as when a client hires a writer or artist to do some work. But after the work is done, the client decides he wanted something else, while asking the writer or artist to keep working on the project. Or in some cases, the client decides to abandon the project entirely. Or perhaps the client has financial difficulties, making it difficult to pay, or worse, the client might seek to get back the money that was originally authorized and charged by claiming fraud. This fraud claim is like the guy claiming fire, since no one takes the time to check if there really is a fire.

The merchant, service provider, professional, or freelancer consequently not only loses the payment for the products supplied or work done, but in addition, the fraud claim goes on his or her record. With enough of these fraudulent claims, vendors can lose their merchant account, seriously undermining their ability to conduct an online business in the future, which is based on obtaining credit card payments.

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Conversely, sometimes what starts as a seemingly legitimate purchase can turn into fraudulent charges—or worse, a physical confrontation, when a criminal steals a credit card from a consumer and uses it to obtain a product or service. Sometimes consumers may find their credit hopelessly compromised, such as when a stolen credit card results in phony charges on their account. They may even be charged with a crime due to a fraudster using their credit card to engage in grand theft.