This is a throwaway account. Also, I'm in the United States.
I use virtual credit card numbers on the internet. I received notifications from my credit card app this week for unfamiliar Amazon purchases, one of which was hundreds of dollars. I immediately froze the card and reported the charges as fraud. The credit card company, Capital One, issued me a new physical card, disputed the charges with Amazon, and started an investigation. Capital One refunded me for those purchases.
I just found out that a young relative accidentally used that card on their Amazon account to order Christmas presents, thinking that they were using a different card. We found out when they got a notice from Amazon saying that there was a dispute with their account, and the charges matched the charges that I reported as fraud to Amazon. Their parents will be paying me back.
I found this out pretty late at night and called Capital One to call off the investigation and find out how to make it all go away. The investigation is called off (I think), but due to either a language barrier or because this situation was veering off of an obvious script they have for dealing with fraud, I could not figure out if that was the end. I do plan to call back Capital One in the morning so that I can hopefully get an agent that has a better understanding of English or can transfer me to a supervisor so that I can get better answers.
Should I expect anything to happen to this relative from Amazon, Capital One, or law enforcement? The relative's account is tied to a family Amazon Prime account, so will it affect that as well?
I just want the whole thing to go away because the charges were an accident and it's being dealt with personally.
Submitted December 26, 2022 at 01:19AM by wow_yikes https://ift.tt/2Oh8BH7
