Hi all, I'm really hoping someone has either experienced this before or knows what we can do because this is getting out of control.
FYI: apparently Microsoft has a deal with Visa where even if your card number changes, Visa will allow Microsoft to charge the old number and the charges will still go through.
Two months ago, we noticed a fraudulent charge to Microsoft on our Visa card made that day. My husband called in immediately and Capital One refunded us, cancelled the card, and sent a new one. A week later, before we even got the new card, there was another charge to Microsoft. He called in again and we then learned that as long as someone/Microsoft has the original card number, Visa will continue to allow charges. They cancelled the card on its way and issued a new number. A couple of weeks later, a few days after receiving the card, we had another fraudulent charge to Microsoft. At this point Capital One got a rep from Microsoft on a 3 way call but she said that since all the purchases were made without being signed into an account, she couldn't tell who made them (despite us having the Microsoft receipt numbers - we're able to access them through the Cap One app and can even see what was purchased). Microsoft was unable to help so we froze that card for 1 month and continued to use mine, in hopes that the scammer would realize our card is no good and move on. Well, I guess the month is over because we just received another Microsoft charge.
Cap One says we're unable to block purchases from them since Visa has an agreement. They've hastily refunded all charges but this is ridiculous - this will be the 4th charge. We have no kids and haven't been near family in months, so the card must have gotten skimmed.
Do we have any recourse other than either freezing the card for a longer period of time or just cancelling the account? This is my husband's longest standing credit line, and we don't really want to close an account but calling every week has already gotten old. If the scammer waited a month then charged the card, would freezing it for 3 months or more even do anything?
Submitted December 21, 2020 at 05:50AM by Saturnaliia https://ift.tt/38oVPqH
