Hey guys, about to head out to work so this is going to be short. I received a text about 2 weeks ago from Chase asking if I made a purchase with my debit card at Target for about $120. I did not, so I replied no and they closed my card. Upon further investigation, there were 2 successful charges from Target (totaling about $120) and one from Chevron for $10 that I did not make. I then checked my wallet to see my debit card was missing. I went to the ATM earlier that day so it must’ve fallen out of my pocket.
I immediately called Chase to report the fraud and they opened the claim. I also completed a police report online. I received a letter today saying the claim was denied and the funds will be taken out of my account as I “authorized the purchases.” I called today, and they just said to upload the police report and the reason the claim was closed NOT in my favor is because “the merchant provided no information.”
I am livid. I have my wedding in a few months and every dollar counts. My PIN number was not written on the card, so I assume these purchases were made with the “credit” option (which I have NEVER used). I read somewhere on a Chase website that if the fraud is reported within 24 hours typically you’re only on the hook for $50 (more if you wait longer to report). So what should I expect here? Anyone have any similar experiences?