Krish Posted May 14 (edited) Fraud dept called me with a pending transaction, confirmed that I was not in Eastern state (still in AS), they re-issued a new card, which didnt show up after 7 days either. Now, the fraud transaction got posted and when I called, they said the transaction was never flagged as fraud.. hmmm.. why did they call me and re-issue a new card? After calling them, they said it will take 2 weeks for the fraud dept to come back with investigation and then I am responsible for the charge, until the investigation is completed.. really? is that how visa/master card rules are? I thought the card holder is not responsible for any fraud transactions... With an increase in AF, this car is worthless to me from next year. I learned my lesson and would never use my ACU after this year (paid the annual fee) ever again. Hopefully no more fraudulent transactions happen between now an then... Edited May 14 by Krish Quote Share this post Link to post Share on other sites
hegemony Posted May 14 my ACU card was hit twice last year and the fraud ppl were far from helpful over the phone but ultimately it worked out. compared to chase or amex it was amateur hour. 1 Krish reacted to this Quote Share this post Link to post Share on other sites
cashnocredit Posted May 14 1 hour ago, Krish said: Fraud dept called me with a pending transaction, confirmed that I was not in Eastern state (still in AS), they re-issued a new card, which didnt show up after 7 days either. Now, the fraud transaction got posted and when I called, they said the transaction was never flagged as fraud.. hmmm.. why did they call me and re-issue a new card? After calling them, they said it will take 2 weeks for the fraud dept to come back with investigation and then I am responsible for the charge, until the investigation is completed.. really? is that how visa/master card rules are? I thought the card holder is not responsible for any fraud transactions... With an increase in AF, this car is worthless to me from next year. I learned my lesson and would never use my ACU after this year (paid the annual fee) ever again. Hopefully no more fraudulent transactions happen between now an then... No, that's not how it works. You are not responsible for fraudulent charges. But you do have certain obligations. To protect your rights, you must dispute the card in writing. One should do so immediately on discovering the fraudulent charge. While it's also OK and good practice to call immediately you must follow up in writing. While a charge is being investigated, you do not have to make payments on it. They don't have to just take your word for it. A bank is allowed to make their own determination that a charge is legit or fraud. In cases like this it's clear, but sometimes it can be iffy. Like if a family member uses your card. Which is one of the reasons they ask if you ever let someone else use your card. Never do that! Then it's easy to say no and you haven't left any sort of trail that you let someone else use your card. And this is why one should never use a debit card. Convert them to ATM only cards. Harder for thieves to steal and use.. And you are out the money while they investigate. Quote Share this post Link to post Share on other sites
Krish Posted May 14 This is a credit card and them calling me about fraud and then not flagging the transaction as fraud is a no-no. Also, giving me 2 different numbers to call, one to report the fraud and one to re-order the card.. amateur hour for sure... Quote Share this post Link to post Share on other sites
cv91915 Posted May 14 7 hours ago, mec said: Which one is ACU? I'm going to +1 this, even though the popularity of +1ing something seems to have faded. So +1. Quote Share this post Link to post Share on other sites
Occam Posted May 15 On 5/13/2019 at 7:34 PM, mec said: Which one is ACU? Maybe one of these: ACU Credit Union Advantage Credit Union Alabama Credit Union Allegiance Credit Union Allegius Credit Union Alliant Credit Union America's Credit Union Associated Credit Union (Atlanta) Associated Credit Union (Texas) There are probably more of them. Quote Share this post Link to post Share on other sites
cv91915 Posted May 15 As soon as the name of this CU is confirmed this thread gets a spot in my "amateur" thread, however OP's experience could be expected from almost any CU, or from Discovery. Quote Share this post Link to post Share on other sites
CTSoxFan Posted May 15 Memberlicious! 1 cv91915 reacted to this Quote Share this post Link to post Share on other sites
Krish Posted May 16 Well Alliant took away fraud transactions and some of them were never posted to the closed account. Account balance is in negative and hate to see that. Sent an email to fix that... Quote Share this post Link to post Share on other sites
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