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    Fraud-ian Slip

    , | Phoenix, AZ, USA | Criminal/Illegal, Liars & Scammers, Top

    (I work in a call center as a fraud specialist. It is not uncommon to get calls from people trying to contest escort or porn charges as fraud when they’re really not.)

    Caller: “I have a charge on here for over five grand. I didn’t charge that; it’s fraud.”

    Me: “I’m sorry to hear that; I can help with that.”

    (I pull up the charge, and see another charge for a tow truck and parking ticket in the same state the other charges was made.)

    Me: “I see here that the charge is for an escort service, the physical card was present, as well. You have not been traveling, is that correct?”

    Caller: “That’s right, and I have my credit card too.”

    Me: “Sir, thank you for the information. Please hold while I get more information on this merchant.”

    (While the caller is holding, I call the merchant directly. I already know he’s lying, but I have to prove it without calling him a liar. The merchant was not at all surprised, and was delighted to provide me with a copy of his driver’s license, imprint of the card with signature on the sales draft. Not only that, but they even give me the name and room number of the hotel he stayed in when he used their escort service.)

    Me: “Sir, thank you for holding. I found out more about the charge. But I want to go over your last valid charges. Did you recently get a ticket or paid for towing service?”

    Caller: “Yeah, that charge is okay.”

    Me: “Sir, that charge shows the card was swiped, which means you were in that state, right?”

    Caller: “Uh… yeah…”

    Me: “And did you stay at [hotel], room 2058?”

    Caller: “Yeah…”

    Me: “Sir, I contacted the merchant and they verified all of your information, and even offered to send a copy of your driver’s license, and signature. It’s because of that we can’t accept this charge as fraud.”

    Caller: “So what am I supposed to do?”

    Me: “Don’t worry, sir; you still have options. You may still be able to dispute the charge as a billing dispute in the event that you didn’t receive any products or services, or the services were not as agreed upon, or you can contact the merchant directly. Were you not satisfied with the services you received?”

    Caller: *click*