Walmart allowing CC fraud

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Unit1Evangelion

Member
Dec 9, 2003
71
0
0
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.
 
BoomerD

BoomerD

No Lifer
Feb 26, 2006
65,703
14,102
146
Lurker...mine!

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

Walmart does what it does because they're Walmart.
 
S

Schfifty Five

Lifer
Oct 20, 2005
10,978
44
91
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.
 
Gibson486

Gibson486

Lifer
Aug 9, 2000
18,378
2
0
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.
 
lxskllr

lxskllr

No Lifer
Nov 30, 2004
59,165
9,615
126
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.
 
Modelworks

Modelworks

Lifer
Feb 22, 2007
16,240
7
76
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.
 
CPA

CPA

Elite Member
Nov 19, 2001
30,322
4
0
Since I shop there every now and then, you must hate me. So, I will not help you.
 
C

crownjules

Diamond Member
Jul 7, 2005
4,858
0
76
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.
 
Aikouka

Aikouka

Lifer
Nov 27, 2001
30,383
912
126
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.
 
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Unit1Evangelion

Member
Dec 9, 2003
71
0
0
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.
 
Aikouka

Aikouka

Lifer
Nov 27, 2001
30,383
912
126
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.
 
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Unit1Evangelion

Member
Dec 9, 2003
71
0
0
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.
 
JTsyo

JTsyo

Lifer
Nov 18, 2007
11,984
1,102
126
Well Wal-mart will take a hit since they will be responsible to cover the $1300 in stolen merchandise.
 
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