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I just had over a thousand Euros stolen and Revolut is siding with the thief

stavros.io

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Re: I just had over a thousand Euros stolen and Revolut is siding with the thief

#261

Post by RandomBacon »

treis wrote: post #256
RandomBacon wrote: post #251

Earlier quoted context omitted.

https://www.ftccomplaintassistant.gov

The only choice that doesn't route me to the CFPB is: >The company asked me to pay a fee before they would issue me credit.

Under Online Shopping, did you check "I never received merchandise" and "I did not receive a prompt refund"?

You never did receive what you ordered: a working product.

One time, I just had to tell a company while I was on the phone with them, that I had this specific website open on my computer and was filling out the form. That got them to resolve the issue immediately.

Unfortunately, this would only address the issue with Newegg, not Chase. But you should still get your refund, or the monitor, which you can then return for a refund (if you ended up buying another one somewhere else already). If Newegg says it's too late for a refund, tell them to read their own ToS which says you are elligible for a refund, or that you will sue them in small claims court. Or you could use your credit card's warrenty if it has one.

Heck, if your credit card has warranty coverage, did you try using that? From what I understand, if you try returning a defective item and the store won't accept it, the credit card company will just write you a check.

Just open a new case with the credit card company and don't refer to the old issue/case.

Re: I just had over a thousand Euros stolen and Revolut is siding with the thief

#262

Post by jscholes »

stavros wrote: post #147
johnnycab wrote: post #123

Earlier quoted context omitted.

It didn’t even mention which card this transaction was on, just no trace. Thinking it was a recurring bill payment that’s getting declined, I started looking into my cards, disabling and re-enabling limits. I am guessing that you are the author of this blog post. For a long term user, you seem to have made a lot of assumptions and mistakes. You also seem to have a few cards on your account. I can't tell if you froze…

> For a long term user, you seem to have made a lot of assumptions and mistakes. What were they? > I can't tell if you froze ALL of your cards, either immediately upon discovering the fraudulent event or before raising/disabling limits and then 'deal' with the rogue virtual card afterwards. I froze the card the charge was made on immediately after I discovered the fraudulent transaction, yes. I didn't freeze anything…

> Initially I thought my work had used my card to book a trip for me or something similar. I didn't even imagine someone could have gotten my card details somehow.

I must be missing something here. Is sharing your card details with your workplace, so they can spend your money on your behalf, a normal thing for you (or anybody) to do? Legitimately asking here because I don't understand this at all.

Re: I just had over a thousand Euros stolen and Revolut is siding with the thief

#263

Post by Nursie »

briandear wrote: post #224
kevin_b_er wrote: post #212

Earlier quoted context omitted.

This sounds like the same fallacy the UK had with chip transactions. The magical fallacy that they're infallible and totally secure, thus all fraudulent transactions are automatically your fault.

It’s interesting that there was quite the criticism of the US “mag stripe” cards when Europe was chip and pin. I recall many Europeans claiming that their system was far more secure and “better.” However, chip and pin puts liability on the customer for fraudulent transactions, while in the US, the liability is on the merchant.

This is not really true.

The merchant takes liability on some transaction types. In the UK, any credit card transaction that is flagged by the customer, regardless of chip and pin, is immediately refunded and investigated.

However - as card cloning of chip and pin cards is still effectively at zero, it's very unlikely that fraudulent chip and pin transactions ever take place without, say, the card being stolen as well.

Re: I just had over a thousand Euros stolen and Revolut is siding with the thief

#264

Post by TomMarius »

benj111 wrote: post #184
gil wrote: post #170

Earlier quoted context omitted.

Why does being regulated by Lithuania make it look it like a money-laundering scheme?

It's HQed in London, so not being regulated there raises questions. I would guess that regulation in the UK is better , but I'm not really up on my Eastern European/pan European banking regulation to definitively say.

Does it? It seems logical, thinking about Brexit.

Re: I just had over a thousand Euros stolen and Revolut is siding with the thief

#265

Post by danShumway »

sagebird wrote: post #237
stavros wrote: post #200

UPDATE: Revolut have emailed me in response to my official complaint (possibly after seeing my post gain attention, I can't say for sure). They admitted it was a mistake to decline my chargeback and have refunded me the purchase. They also said they would take measures to avoid this from happening again, hopefully they make good on that promise. Thank you all very much for your help and support, I hope this doesn't h…

It's disgusting that you had to raise a shitstorm on their internal support, then on twitter and then hacker news to get your chargeback. Will others be savvy enough to raise this attention? I would rather that a regulator went to bat for you and slapped them with a large fine. Because as it stands they can do the same thing to everyone else, only give refunds when someone raises attention and perhaps this only accou…

It's becoming increasingly clear to me that most customer support for modern tech products is happening via social media. Building a large enough following that you're capable of generating an outrage machine when something goes wrong is becoming almost a kind of insurance policy now.

In the short term, I imagine this is better for companies, since a very small number of these incidents actually generate enough outrage to need fixing. In the long term, I wonder if companies will ultimately regret creating an environment where every consumer immediately goes public with every complaint they have on social media as soon as something goes wrong?

Re: I just had over a thousand Euros stolen and Revolut is siding with the thief

#266

Post by [deleted] »

StavrosK wrote: post #249
sagebird wrote: post #237

Earlier quoted context omitted.

It's disgusting that you had to raise a shitstorm on their internal support, then on twitter and then hacker news to get your chargeback. Will others be savvy enough to raise this attention? I would rather that a regulator went to bat for you and slapped them with a large fine. Because as it stands they can do the same thing to everyone else, only give refunds when someone raises attention and perhaps this only accou…

Yeah, that's completely inexcusable. Maybe I should have given them time to respond to the official complaint, and maybe they would have fixed it, but I don't want to tell a company "someone just stole 1k euros from me, please stop them!" and hear back "it's your fault".

[deleted]

Re: I just had over a thousand Euros stolen and Revolut is siding with the thief

#267

Post by sakis »

StavrosK wrote: post #108
bitskits wrote: post #58

Earlier quoted context omitted.

Yes, they do. https://transferwise.com/gb/borderless/

Oh fantastic, thank you!

Last time I checked they don't support associating their borderless card to a Greek postal address.

Re: I just had over a thousand Euros stolen and Revolut is siding with the thief

#268

Post by chimen »

noisy_boy wrote: post #178

Maybe I'm just old but I would never put my money in an institution where I can't go to their branch/office and talk to a human. Typically this is hardly needed with all the digital convenience but when things go wrong, it is truly worth it.

I'm with ING here in Romania and one day I went to a "human" there and took out some cash that I wanted to deposit. They got scared that I took out money in front of them. Banks are not the same.

Re: I just had over a thousand Euros stolen and Revolut is siding with the thief

#269

Post by treis »

RandomBacon wrote: post #261
treis wrote: post #256

Earlier quoted context omitted.

The only choice that doesn't route me to the CFPB is: >The company asked me to pay a fee before they would issue me credit.

Under Online Shopping, did you check "I never received merchandise" and "I did not receive a prompt refund"? You never did receive what you ordered: a working product. One time, I just had to tell a company while I was on the phone with them, that I had this specific website open on my computer and was filling out the form. That got them to resolve the issue immediately. Unfortunately, this would only address the iss…

>Under Online Shopping, did you check "I never received merchandise" and "I did not receive a prompt refund"?

Ah, I went down the Credit Card path.

>Heck, if your credit card has warranty coverage, did you try using that? From what I understand, if you try returning a defective item and the store won't accept it, the credit card company will just write you a check.

By the time I thought of this I was out of the warranty time frame. I did bring it up in my CFPB complaint though, but I don't recall if they addressed that specifically when they told me to pound sand.

>Unfortunately, this would only address the issue with Newegg

Newegg banned my account after the dispute. Since they sold a defective monitor as "certified refurbished" and then fraudulently answered the CC dispute I don't have any faith they will voluntarily resolve the issue. Unfortunately, this level of customer service is par for the course for them.

Re: I just had over a thousand Euros stolen and Revolut is siding with the thief

#270

Post by jhuckestein »

mapleoin wrote: post #136
madeofpalk wrote: post #100

Earlier quoted context omitted.

For what it's worth, Monzo seems to be the only 'challenger bank' that's getting this right. They have the 24/7 in-app chat support that's super helpful, but then also a phone number you can call if you're into that. My every interaction with them as a customer has been fantastic.

I called the phone number on the back of the Monzo card today a few times. There's a recorded message saying that they're too busy and then they hang up. That phone number is bogus.

Hey, thanks for flagging. I will look into that. The number is definitely meant to be staffed at all times
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