SA Can I Pursue Fraudulent Credit Card Transactions?

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GeoffvsANZ

Member
30 May 2017
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0
1
I recently discovered a large number of small value fraudulent credit card transactions all with Apple iTunes in the description. Total is over $20,000. I notified the bank in April. The bank has refunded the transactions for 2017, which accounts for half the amount.

They say their terms and conditions limit their involvement to 3 months and will not do anything on the 2016 transactions - which amount to another $10,000 and I should contact the merchant. Apple say they cannot do anything without the bank involvement.

I have evidence of the transactions, and neither party is disputing the transactions are fraudulent, but they do not perceive liability. I have one iTunes account with virtually no transactions on it. I have a bank statement showing all the transaction history.

Am I entitled to pursue these unauthorised transactions? It does not seem logical to me that these Terms and Conditions catch me out along with their internal processes. It is a lot of money, and I did not authorise these transactions. Did not notice as very small transactions, was overseas for the worst of it, and do a lot of transacting on the card. There are approx 30 legitimate transactions of similar size to the fraudulent ones.
 

Jermy

Well-Known Member
30 March 2015
74
5
224
I am not sure, but as i understand that a person must notify as soon as possible the unauthorised transaction, which is any regular person would consider a reasonable time, and I think that the 3 months period is more than a reasonable time, so from this understanding I don't think you can, but there is no harm in contacting the credit card service supplier and dispute it, but that also will depend on how strong is your evidence.
I hope that helps,
 
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Rod

Lawyer
LawTap Verified
27 May 2014
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Chances are the transactions have nothing to do with Apple so unless the Bank confirms the merchant id as belonging to Apple there is no point talking to Apple.