My bank called me to tell me that my credit card had been compromised. Turns out, this website sepcharge.com had billed me and I have never even heard of them! They're USA based, and I have never been to USA, let alone visited their website! So far, my bank has immediately closed down my credit account and given me a new credit card, so at least they can't keep on charging me for something I never agreed to.
However, getting the money they wrongly took is another matter. I had to lodge a dispute claim against this transaction with my bank, and was told that I would get my money back within 4 to 6 weeks. From the other complaints on this board, this is not the first unauthorised charge made by this website!
Furious as to why this had happened, I had a look at their website, and apparently they've had alot of people complain to them about unauthorised charges, as they've put up a banner saying: "FRAUD WARNING: We actively prosecute and assist in prosecutions of fraud for individuals falsely claiming unauthorized use of credit cards. If you claim unauthorized charges, we will investigate and contact you!"
With credit card fraud it's hard to dispute it and say it's not you, since of course, they've used your identity, and credit card successfully, and the company itself would be disillusioned in thinking that it's security is good enough to prevent fraud.
WRONG. It happened to me, and I intensely dislike having my money taken away from me in such a way. I'm glad that at least it's my bank that is disputing this and trying to get my money back, hopefully they would be successful, since the money I've worked hard for and earned should not be stolen like that.
However now the question arises - WHO took my credit details and HOW. I've only ever used my credit card in secure websites and mainchain stores, so I am confused as to how anyone was even able to get my details. If there was a way to find out I would happily do so.
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