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Walmart allowing CC fraud

U

Unit1Evangelion

Member
Has anyone else experienced this and might give more insight?

Last week when I tried to rent a car to go up and see some family with my wife, my credit card was declined saying insufficient funds. Not even 2 mins later I get a call from the fraud department of my bank asking me if I made online purchases through Walmart.com. These purchases rang up over $1300 in products. I found out today that they were all Apple Ipods and Ipad2's. I canceled the card number and had a new one sent out. I called my bank to file a claim. In the process, we called Walmart to find out all the info we can about these transactions.

Walmart stated that it was an in-store pick-up and I received the name of the lady who picked it up, time, product and copy of her signature. Now they are filing with their billing department. I'm about to go file a police report with all of this information.

What I really want to know, is there a way to get Walmart for being Walmart? I hate everything they stand for, let alone the people who work and shop there. I have only stepped foot in there one time and never looked back. Anyways, the transaction should of never went through. I want to get them for causing so much trouble for being idiots and missing the most obvious things that say, "Hey I am stealing someone elses credit card!"

*Name on the account wasn't correct
*Address on the account wasn't correct
*Contact number doesn't match any records
*Email address doesn't match as well.
*Had an alternate person to pick up who didn't write down a call back number which is required.

All of these things are hits on any major business to not allow the transaction to go through. I have experience with the first 4 just trying to buy from newegg and amazon. Why is it that they allowed this and they don't even bother to question it one bit.
 
Lurker...mine!

Just call the credit card company/bank and dispute the charges as fraudulent.

Walmart does what it does because they're Walmart.
 
Credit Card? You sure it wasn't a debit card?

Insufficient funds sounds like you ran out of cash in your bank account. If it was a CC, you would have been able to rent your car unless you only had a really low CC limit and the $1,300 pushed you close to the limit.

And if you are using a debit card, stop using your debit card and get a real credit card.
 
No company, even Amazon, checks that stuff. The only thing that needs to match is the billing address. Everything else, they do not care. For example, I bought a printer for my parents on Amazon. My finacee had prime, so I used her account instead of mine. I put in my card number with my name, but sent it to my mother's (under her name) address.
 
Shit happens, and so far you're dealing with it appropriately. Why hassle with Walmart? The only people that win in the legal system are lawyers.
 
Complain to your bank not walmart. Your bank sets the requirements on verification not the vendor. Some banks don't even require the name to be correct and will pass on just the card number and exp date alone. They do it because customers complain if they have trouble spending money because the bank refused the transaction due to a typo on the address or name.
 
Schfifty Five said:
Credit Card? You sure it wasn't a debit card?

Insufficient funds sounds like you ran out of cash in your bank account. If it was a CC, you would have been able to rent your car unless you only had a really low CC limit and the $1,300 pushed you close to the limit.

And if you are using a debit card, stop using your debit card and get a real credit card.
Click to expand...

I believe that if a transaction will but your CC a certain amount of your limit, it will be rejected. It's not like a limit is there for no reason at all.
 
I doubt you have a leg to stand on against Wal-Mart, but it does seem odd that most places state that I'll need to show them the card used to purchase the item (when doing an in-store pick-up); however, none of them actually ask to see it. If Wal-Mart would have asked to see the card, then you would have been fine. I guess this could be seen as an inconvenience to most users though.
 
It was a credit card and it was maxed out. I am after the perp who stole it. I just filed the police report and they are going to call the police department down where she lives to get this resolved.

As for them checking, I have messed up on my name before, typing too fast and not paying attention, and they have emailed me stating that it doesn't match the card I am trying to use. Amazon is pretty stingy from my experience.
 
Unit1Evangelion said:
As for them checking, I have messed up on my name before, typing too fast and not paying attention, and they have emailed me stating that it doesn't match the card I am trying to use. Amazon is pretty stingy from my experience.
Click to expand...

This is a completely different scenario though. If you type the wrong name, it will fail billing authorization. This person used your correct billing information for the card.
 
They did type in the wrong name. They didn't type in my name at all. They typed in my wife's name with the last name she hasn't used for 6 months. On top of that, she isn't on any of the bank accounts from that bank, so she doesn't have access nor authorization to use the cards.
 
Well Wal-mart will take a hit since they will be responsible to cover the $1300 in stolen merchandise.
 
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