Discover texted me in February about potentially fraudulent charges. I looked at my statement. I was charged for a mobile phone company that I do not use, a dollar charge like someone opened a new Spotify account, and then also a charge for Amazon Prime which I do not have. I marked all 3 as fraud, charges were reverse, I got a new CC number. I thought that was that.
I got charged for Spotify again EXACTLY ONE MONTH from the day of the first fraud charges when I don't have Spotify Premium. I called Discover, told them it seems like a continuation of the previous fraud case. They said they were going to treat it as a dispute because "it could be legitimate", that they would transfer it to the fraud department if it did seem to be fraud, and my only remaining recourse was to put a stop payment for Spotify. Which I did, but their notice seemed to have wording that indicated Spotify's charges could still go through.
Complicating this is I did legitimately have Spotify last year but cancelled it in December. I sent Discover a picture of the email from spotify that my premium was cancelled, as well as a screenshot of my actual account showing I am on the free plan, but the dispute did not get ruled in my favor even with this. It's fraud in the first place and shouldn't have been treated as a dispute anyway but they would only let me treat it as a dispute even though I kept saying it was fraud. I don't use Spotify anymore. I don't know how to get them to believe that. I want to close the card at this point to quit being charged for something I'm not paying for. I'm not sure if I should contact Spotify potentially? But I don't think there's a way for me to say "What account is using this CC number? Because it's not mine." I don't want to be charged for Spotify anymore, I cancelled it in the first place.
Dealing with CC Fraud but Discover doesn't think it's fraud anymore and I don't know what to do
byu/wanttolovewanttolive inCreditCards
Posted by wanttolovewanttolive
1 Comment
A new CC will not stop the subscription, so its the same fraudulent subscription that was previously charged. They should be able to block certain charges all together- call Spotify see if they can help stop it