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Permalink Report Abuse No, you don’t have to pay for unauthorized credit card charges by family members, at least in most cases. If someone takes your credit card and uses it without permission, that’s considered fraud. It doesn’t matter whether they’re family, a friend, or a complete stranger. Legally, you can only be held liable for $50, as per the Fair Credit Billing Act (FCBA). But all major credit card issuers give you a $0 fraud liability guarantee. So, as long as you report the charges, there shouldn’t be any issue. There are just a few details you need to know first. Here’s how to handle unauthorized credit card charges by a family member:
The only other time you might be held liable for unauthorized charges by a family member is if that person is an authorized user on your card and simply bought something against your wishes. Any purchases by an authorized user will not qualify as fraudulent. So, you may want to consider limiting the amount your authorized users can spend. Some cards allow you to do that through your online account. 0 0 Share Stacy Faraday, Member@stacy_faraday3 • 05/17/18 This answer was first published on 05/17/18. For the most current information about a financial product, you should always check and confirm accuracy with the offering financial institution. Editorial and user-generated content is not provided, reviewed or endorsed by any company. Permalink Report Abuse If they used their authorized user, then it's not fraudulent. If they just stole your card and bought stuff, then you can file a dispute, and refund the money. At the end of the day though, it would be best to just get the money out of him. Make him mow the lawn for like 40 years or something. The offers that appear on this site are from companies that compensate us. This compensation may impact how and where products appear on this site, including, for example, the order in which they may appear within the listing categories. But this compensation does not influence the information we publish, or the reviews that you see on this site. We do not include the universe of companies or financial offers that may be available to you. SHARE:
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Prev Next aabejon/Getty Images 5 min read Published May 25, 2022 Written by René Bennett Written by René BennettArrow RightBanking writer René Bennett is a writer for Bankrate, reporting on banking products and personal finance. René Bennett Edited by David Schepp Edited by David ScheppArrow RightWealth editor David Schepp is a wealth editor for Bankrate, focusing on deposits and consumer banking content. David Schepp Bankrate logo The Bankrate promiseInfoMore infoAt Bankrate we strive to help you make smarter financial decisions. While we adhere to strict editorial integrity, this post may contain references to products from our partners. Here's an explanation for how we make money. Bankrate logo The Bankrate promiseFounded in 1976, Bankrate has a long track record of helping people make smart financial choices. We’ve maintained this reputation for over four decades by demystifying the financial decision-making process and giving people confidence in which actions to take next. Bankrate follows a strict editorial policy, so you can trust that we’re putting your interests first. All of our content is authored by highly qualified professionals and edited by subject matter experts, who ensure everything we publish is objective, accurate and trustworthy. Our banking reporters and editors focus on the points consumers care about most — the best banks, latest rates, different types of accounts, money-saving tips and more — so you can feel confident as you’re managing your money. Bankrate logo Editorial integrityBankrate follows a strict editorial policy, so you can trust that we’re putting your interests first. Our award-winning editors and reporters create honest and accurate content to help you make the right financial decisions. Here is a list of our banking partners. Key PrinciplesWe value your trust. Our mission is to provide readers with accurate and unbiased information, and we have editorial standards in place to ensure that happens. Our editors and reporters thoroughly fact-check editorial content to ensure the information you’re reading is accurate. We maintain a firewall between our advertisers and our editorial team. Our editorial team does not receive direct compensation from our advertisers. Editorial IndependenceBankrate’s editorial team writes on behalf of YOU – the reader. Our goal is to give you the best advice to help you make smart personal finance decisions. We follow strict guidelines to ensure that our editorial content is not influenced by advertisers. Our editorial team receives no direct compensation from advertisers, and our content is thoroughly fact-checked to ensure accuracy. So, whether you’re reading an article or a review, you can trust that you’re getting credible and dependable information. Bankrate logo How we make moneyYou have money questions. Bankrate has answers. Our experts have been helping you master your money for over four decades. We continually strive to provide consumers with the expert advice and tools needed to succeed throughout life’s financial journey. Bankrate follows a strict editorial policy, so you can trust that our content is honest and accurate. Our award-winning editors and reporters create honest and accurate content to help you make the right financial decisions. The content created by our editorial staff is objective, factual, and not influenced by our advertisers. We’re transparent about how we are able to bring quality content, competitive rates, and useful tools to you by explaining how we make money. Bankrate.com is an independent, advertising-supported publisher and comparison service. We are compensated in exchange for placement of sponsored products and, services, or by you clicking on certain links posted on our site. Therefore, this compensation may impact how, where and in what order products appear within listing categories. Other factors, such as our own proprietary website rules and whether a product is offered in your area or at your self-selected credit score range can also impact how and where products appear on this site. While we strive to provide a wide range offers, Bankrate does not include information about every financial or credit product or service. Simply swiping a debit card at a card reader can put you at risk of fraud, but you can easily reduce this risk by knowing where not to swipe your card. Illegally obtaining credit or debit-card information from a card reader is a type of scam called skimming. The scammer uses captured data or records the cardholders’ personal identification number (PIN) to fraudulently create a fake card and steal from the associated account. Skimming costs financial institutions and consumers over $1 billion each year, according to the FBI. Debit cards, unlike credit cards, aren’t protected by the Fair Credit Billing Act, regulation that limits consumer liability for unauthorized transactions to $50. Instead, debit cards fall under the Electronic Funds Transfer Act. Under this law, consumers could lose up to $500 if they don’t report fraud within two days. The first step to prevent your debit-card information from being stolen is to use it only at trusted locations. Here’s where to avoid using a debit card, plus tips on how to protect your account from scammers. Gas stationsThough gas stations are slowly updating their payment terminals to accept more secure chip or contactless cards, many pumps remain easy targets for criminals to install skimming devices. “Consumers should especially avoid utilizing their debit cards at gas pumps given their heightened vulnerability to skimming activity,” says Jason Zirkle, CFE, training director of the Association of Certified Fraud Examiners. “It’s much safer to pay inside, or to use a credit card at the pump, since credit cards have legal fraud protections in place for consumers that don’t exist with debit cards.” Bars and restaurantsWhen you open a tab at a bar or pass a debit card to a server to pay for the check, you don’t know where the card will be swiped or who will see its information. Some bars and restaurants have contactless payment machines that can be brought to the table. With contactless payment, the payer doesn’t have to pass the card on to anyone and won’t have to worry about the card’s magnetic stripe being scanned. Another option to mitigate fraud at restaurants and bars is paying with cash or a credit card, since credit cards have enhanced liability protections. Retail storesThough it isn’t always avoidable, paying with a debit card at retail stores can make consumers vulnerable to skimmers. An alternative to swiping your debit card is using a contactless payment method. Any information that can be obtained from contactless payment is insufficient to create a fraudulent card, according to Secure Technology Alliance. Most stores offer a tap to pay option on their card readers, which works with many debit cards as well as Apple Pay and Google Pay. Using a credit card is another safer option to pay. If none of these options are feasible, then using a debit card with chip technology is still safer than swiping it. OnlineOver half of U.S. consumers prefer shopping online rather than in a store, according to a 2022 study by Raydiant. But shopping online is not necessarily safer. The Federal Trade Commission reported that online shopping scams were the second most common type of scam in 2021, and the financial losses caused by these scams are increasing each year. To combat online shopping scams, avoid entering personal details and card numbers when possible. “If you are using a browser to purchase items, make sure it’s a merchant you trust that offers a payment option you feel comfortable with, like PayPal or some other encrypted payment option that maintains your payment card information without the need to key in data,” says John Buzzard, lead analyst of fraud and security at Javelin Strategy & Research. Unfamiliar locationsIt’s easy to fall for tourist traps when on vacation — common tourist areas make for popular skimming targets. A simple way to lessen the risk of being scammed while on vacation is to use a credit card instead of a debit card. Plus, if you’re abroad, you can avoid foreign transaction fees with a credit card. The FBI also recommends sticking to ATMs and point-of-sale terminals that are in well lit, indoor locations. Be sure to cover your PIN if you need to enter it anywhere. Use your smartphone to make payments to help outsmart fraudstersMore brick-and-mortar retailers offer payment options that don’t require a debit card. More than half (56 percent) of retailers accept mobile payments, according to 2020 data from the National Retail Federation. With contactless payment, consumers are avoiding not only germs but also scammers. It’s smart to leverage digital wallets and other types of digital payments, says Buzzard of Javelin Strategy and Research. “Each time you make a payment using one of these methods, your payment card information is not exchanged with the merchant but rather with a stand-in token that makes up a safer encrypted transaction. You can speedily purchase gas at the pump using these methods as well.” Though the transactions are safer, it’s important to remember that your mobile wallet is susceptible to theft, too, so it’s important to follow the basics of smartphone safety. “Enable ‘find my phone or device location’ in case you lose your mobile device,” Buzzard says. Some smartphones can also be wiped clean remotely, if it appears to be in a suspicious location. Make sure to keep your screen locked. “There are really no excuses for not protecting your payment apps from criminals. Facial scans [and] fingerprint protections known as biometrics work splendidly to protect your information,” Buzzard says. Additionally, be wary of the potential for cybercrime. Consider installing identity theft-protection software to protect your devices from malware and data breaches. Malware is usually downloaded via phishing, which can occur when you click on an unknown link from a text or email, says Zirkle of ACFE. Further, he says, “Credit cards in a mobile wallet are always going to be safer than using debit cards due to legal protections.” What to do if your debit card is compromisedThe first step to take if you notice suspicious activity on a debit card is to lock the card. Some mobile banking apps allow users to lock a card through the app, but if not, call the bank or credit union and ask the representative to do it. When someone becomes a victim of fraud, there are some protective measures in place. Consumers aren’t liable for fraudulent debit-card transactions under the Electronic Funds Transfer Act, as long as they report the fraud within two days. Contact the bank as soon as possible when you notice suspicious activity and alert it of any unauthorized transactions, so that the bank can give your money back. Finally, report the incident to the FTC. The law-enforcement agency uses consumer data to build cases against scammers and works to prevent future scams. Bottom lineNo matter how safe you are with your payments, the reality is that fraud is always a possibility. In addition to watching where you use your debit card, spend an equal amount of energy watching the activity in your checking account. Consider setting up mobile banking alerts for when a banking app detects any suspicious activity. “The best thing you can do is monitor your own bank and credit card accounts weekly, if not daily,” ACFE’s Zirkle says. “If you spot any unusual transactions, verify them with your spouse or other account holders, then notify the bank or card issuer right away.” How do banks investigate unauthorized debit card transactions?How Do Banks Investigate Fraud? Bank investigators will usually start with the transaction data and look for likely indicators of fraud. Time stamps, location data, IP addresses, and other elements can be used to prove whether or not the cardholder was involved in the transaction.
Can the bank trace who used my debit card?Can the bank find out who used it? No, the bank cannot determine who used your debit card directly. However, if you tell the bank that you believe someone has used your card without your permission, they may be able to investigate and provide you with some information about the transaction.
Can a bank refuse to refund Unauthorised transaction?Sometimes banks will refund the total amount of fraudulent charges even if they're not legally required. But, if enough time elapses between the charge and the fraud report, a bank might refuse to reimburse some of your money.
What happens if my debit card is used fraudulently?When your debit card is used fraudulently, the money goes missing from your account instantly. Payments you've scheduled or checks you've mailed may bounce, and you may not be able to afford necessities. It can take a while for the fraud to be cleared up and the money restored to your account.
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Someone used my debit card without permission
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