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We were a victim of Fraud... Need CC charge dispute information. Update: We're fscked.

E

Eli

Super Moderator | Elite Member
Oops, accidently posted before I wrote anything.. more text to come

I don't really want to get into the story a whole lot, but it involves a Travel agency, plane tickets.. and some scam artist from the Ukraine.

The tickets haven't been used yet(departure date is in the future). What do you think we should do? Should we contact the travel agency and cancel the tickets and see if we can get the money reversed, or should we contact the credit card company directly and dispute the charge?

There has to be some options here.. Thanks for any help guys.

Oh, by the way.. this is my Dad's deal, I really didn't have any knowledge of it before the fact.
 
Read the back of your CC statement and it probably tells you how to dispute a charge. While you can initiate a dispute via the phone, you must back it up in writing to protect your rights.
 
Hell, I don't even think the Travel Agency is legit..

My poor dad... I wish he would have talked to me more about this before, I could have told him that it was a scam.....
 
I would take the advise of the other people that replied and have your dad call the CC company. I had to dispute a charge before on my credit card because I was charged by some company for some items that were never shipped. They checked their records and they gave me the credit back to my account because the company that made the charges didn't have their phone number listed. Don't worry, your dad will get your money back. The CC company will see the freudulant company and resolve the issue without any problems.

-psianime
 
Originally posted by: psianime
I would take the advise of the other people that replied and have your dad call the CC company. I had to dispute a charge before on my credit card because I was charged by some company for some items that were never shipped. They checked their records and they gave me the credit back to my account because the company that made the charges didn't have their phone number listed. Don't worry, your dad will get your money back. The CC company will see the freudulant company and resolve the issue without any problems.

-psianime
Click to expand...

Ugh, it just gets worse all the time. He didn't actually have any contact with a travel agency, he Wired the money to some person that said they were the manager of the travel agency.

Do you think there's anything he can do since he wired the money? It was through Western Union, they took the CC information. I told him to go ahead and call the CC company, that they will know what to do.

Let me know if you guys need anymore information. I am really hoping the CC company will do something.. I mean, supposedly.. they don't deal with fraud laying down.. at least, you would hope.

This is really bad for us... 🙁
 
I think you're screwed.

The CC company had a transaction with Western Union. Western Union did what it was asked to do. Therefore, the CC company probably will conclude nothing went wrong. Just because he told WU to wire the money to a scammer, that's not going to be anything that the CC company will care about.

But you have to try anyway!
 
He called the CCCo.,... they said there was nothing they can do since the money has already been sent...

🙁🙁🙁

Man, he really got taken for a ride.. I can't believe this. 🙁

We are most likely not going to be able to pay our rent now... and it's so close to the beginning of the month...

I think I am going to cry.

🙁
 
Originally posted by: Eli
He called the CCCo.,... they said there was nothing they can do since the money has already been sent...

🙁🙁🙁

Man, he really got taken for a ride.. I can't believe this. 🙁

We are most likely not going to be able to pay our rent now... and it's so close to the beginning of the month...

I think I am going to cry.

🙁
Click to expand...

Sorry to hear that. Scammers are the scum of the world.
 
Originally posted by: kranky
Did he receive any plane tickets? Or didn't he get anything?
Click to expand...

No.. the "travel agency" is a fraud.

I didn't even know about that part of it until just now..

He is computer illiterate, I should have been working with him from the start. I could have told him that the whole travel agency thing was a scam, and we could have cut our losses to 1k instead of 2.

Today is not a good day.
 
No way to have Western Union trace the wire and find out if the money was received? If it's not, stop the transfer?
 
Here's what you do:

Since its a credit card, Visa or Mastercard will eat the charge if you do the following:

1. When the bill comes, don't pay it.
2. Send out a dispute for the bill via CERTIFIED MAIL with a RETURN RECEIPT (very important to get a return receipt). State that the services were not rendered and explain the service.
3. They have like 10 days to respond to the dispute and investigate.
4. Then they have like 30 days to investigate.

They will respond. You should not have to pay it; however, since the money was wired and not to a company, you may have problems. In either case, always follow the rules above or you will have no case.

If your CC fails to respond to youre dispute within a certain amount of time, they can't charge you.

GL, but looks bad for your dad.
 
Originally posted by: conjur
No way to have Western Union trace the wire and find out if the money was received? If it's not, stop the transfer?
Click to expand...

The Travel Agency part of it actually went on like a week ago, so I'm sure the money has already been taken..
 
Originally posted by: kranky
I think you're screwed.

The CC company had a transaction with Western Union. Western Union did what it was asked to do. Therefore, the CC company probably will conclude nothing went wrong. Just because he told WU to wire the money to a scammer, that's not going to be anything that the CC company will care about.

But you have to try anyway!
Click to expand...

Unfortunately I think he's right 🙁

I'm really sorry to hear that this happened to your father, this really really sucks.

How much was it?

Have you contacted Western Union yet?
 
Originally posted by: Eli
Originally posted by: conjur
No way to have Western Union trace the wire and find out if the money was received? If it's not, stop the transfer?
Click to expand...

The Travel Agency part of it actually went on like a week ago, so I'm sure the money has already been taken..
Click to expand...

Dsmn....sorry, dude.
 
Originally posted by: RossMAN
Originally posted by: kranky
I think you're screwed.

The CC company had a transaction with Western Union. Western Union did what it was asked to do. Therefore, the CC company probably will conclude nothing went wrong. Just because he told WU to wire the money to a scammer, that's not going to be anything that the CC company will care about.

But you have to try anyway!
Click to expand...

Unfortunately I think he's right 🙁

I'm really sorry to hear that this happened to your father, this really really sucks.

How much was it?

Have you contacted Western Union yet?
Click to expand...

Think he should contact WU? What do you think they can do?

It was a little over 900$. I really wish I would have paid attention to this whole thing. I figured he knew what he was doing, but I guess not. It is very obvious(to me) that the Travel agency thing was a scam.

🙁

The "travel agency"'s email address is tur_sputnik@ua.fm. The "manager"'s name that he had the money wired to is Lidiya Chub.

The travel agency's supposed telephone number is 38-067-772-46-50. No answer when he calls it.

Damnit.. I really wish I would have paid more attention now.
 
Holy sh!t $900 ??? Dayum!

I doubt contacting WU will do any good but it doesn't hurt to at least try, before you call make sure you know all the facts, dates, etc. Tell them this was a FRAUDULENT transaction, that you would like to DISPUTE it and are willing to sign an AFFIDAVIT. Say those key words, trust me.
 
I dont get it. How will getting scammed on a credit card not allow you to pay your rent? The money was obviously spoken for since you were planning on taking a trip, so, now you are out a trip, but that doesnt change the fact that you should still have money for rent.

I understand "you" were not the scammed one, but its easier to type that than "your dad" each time.

Besides, who in their right mind takes a cash advance to wire money to someone. Every place takes credit cards. The entire deal seems shady from the start. My 16 yr old neighbor could see through this.

Please explain the whole money thing about not being able to pay for rent and such. It doesnt add up.
 
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