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信用卡被盗刷,美元追讨记

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写在前面的话:

这是Z近发生在我家先森身上的真事,事情已经过去十多天,还是时不时的有朋友问起这个事,楼主觉得先森在事后写的那篇博文还是有参考意义的,转过来分享给有需要的人。

正文

(为方便阅读,楼主加了些排版)

1月8日晚上11点多收到短信,提示信用卡消费一百多美刀,赶忙跟某人确认有没有买美元的东西,答复是否定的。

顿时感觉头大,肯定是被盗刷了,可是网银查不到商户,于是赶忙打电话给招行招行给冻结了信用卡,并且承诺重新发一张卡给我(要我3天之内等待调查。。你妹啊)。

接着在网上搜被盗刷的帖子。。各种银行不作为。。看的心里拔凉拔凉的。。

郁闷的看了下手机微信,看到微信有个交易提醒,竟然是有商户信息的,叫NORDSTROM DIRECT.. (哈哈,开通微信交易提醒还是很有用啊有木有。。:8-))

赶忙想办法跟商户联系,是一个美国的购物网站,国内被墙了,于是baidu到了这个商户的售后客服邮箱,急忙写了封邮件,哭诉没了这点美元就吃不上饭了啊,要跪搓板啊啊啊,赶紧还我的钱啊(开玩笑的,反正就是哭诉哈,你懂的/:--b)。

看了下美国时间,应该是上午上班时间,等了个把小时没回应。。急。

忽然看到别人的帖子里有人说可以用网站上Live chat聊天可以快一些解决。

可是伟大的墙啊,网站打不开,无奈。网上临时找了个可免费使用1小时VPN,赶紧找到Live chat,先把情况大致说了下,接着等待回复,8分钟后,终于有客服MM(可能是MM )回复了,心急,只有1个小时的vpn啊。

迅速巴拉巴拉的扯起来,刚开始回复说找不到订单,抓狂,继续提供信息,问了我名字、账单地址,(我说,账单地址是中国,但没有用啊。小偷地址肯定不是我的撒)。

然后客服继续帮我找订单,终于等到一句回复:

We found the order. We will make sure that it's cancelled and the funds are returned to you.

哈哈哈,激动地要哭了,俺的小心脏啊。。俺的血汗钱终于可以回来了。。哈。。。

但还是有点担心,于是问能不能把Order number给我,这样如果银行没有回复,可以把订单号告诉后面客服来继续跟踪,可惜对方不愿意(也许是考虑隐私)。。

好在过了两分钟,招行的微信交易提醒又出来了,提示之前的交易被撤销,哈哈,这下终于放心了。。赶在免费vpn失效之前搞定!

下面奉上一些信息供参考,如果有人也遇到了信用卡盗刷情况(当然,这事不发生是Z好的),可以尝试这样去解决:

首先,也是Z要紧的,打电话给银行,冻结卡(防止贼小偷继续盗刷。。)

其次,想办法商户联系,把信用卡号,你的姓名,交易时间(Z好换算成当地时间,比如美国就换成GMT -8太平洋时间)告诉网站的客服,让客服取消订单(一般国外支付多是预支付,信用卡交易处于pending状态)。

在chat开始前要提供一段话说明问题(请忽视文中英文处的各种语法错误):

Hello, my credit card information should be stolen or hacked by someone, and the thief made an order on your website, could you help me to cancel the order? my credit card number is xxxx xxxx(原谅我打码了).

The event was happen on Jan. 8th, 2016, 11:44 PM (GMT+8 Beijing time). It should equal Jan. 8th 2016, 7:44 AM (GMT-8 Pacific Time).

The money is 136.74 US dollars totally.

(字数限制,一楼接着发)

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Danary 硕士一年级

(接上文)

下面是这次聊天对话,用N表示自己,供参考。

Chat Transcript

Thank you for your question! You wil l be with you shortly.

Helen Y: Hello

N: hello (咳咳,开场客套下)

Helen Y: I'm so sorry that happened, let me try to find the order. One moment!N: ok, thank you a lot.N: if you need more information, I will support you.

Helen Y: The charge to your card, has it been posted or is it still pending

Helen Y: May I also have the date for the transaction?

Helen Y: Did you receive an e-mail confirmation?

N: sorry, I'm not sure that, I just got a SMS several hours before. It only tells me there is a bill happen, I don't know the detail.

(提供交易时间啊)

N: the date of transaction is Jan. 8th, ####, 11:44 PM (GMT+8 Beijing time). It should equal Jan. 8th ####, 7:44 AM (GMT-8 Pacific Time).

Helen Y: I cannot see the transaction on your card yet, so it must be pending. I would contact your bank immediately and inform them that it's incorrect

Helen Y: We wouldn't be able to see the transaction till it posted to your card(告诉我看不到交易信息,拔凉拔凉的。。)

Helen Y: So you definitely would want to speak with your bank

N: oh, I have called the bank, now the card is freezed. but the bank has already sent a SMS to me said the transaction had happened.

Helen Y: Great.

Helen Y: On your account, where does it say the transaction is coming from, a store or does it say Nordstrom Direct?(问是在商店还是网店)

N: the SMS means: my XXXX credit care made a transaction $###.74 , the business is from NORDSTROM DIRECT #####CEDAR RAPIDS IA US

Helen Y: Thank you. One moment. I'll try to find the order.

N: the money of the order is ###.74 dollarN: $ ### . 74(发了几次发不出去,这里不是专门马赛克,是chat系统自动隐藏了,后来客服告诉我她们是能看到的)

Helen Y: May I have your full name please and billing address

Helen Y: I am able to see the numbers

N: ok, My full name is XX XXX,

Helen Y: Thank you

N: my billing address is in ChinaN: do you need it ?

Helen Y: I am trying to find a way to locate the order

Helen Y: We found the order(哈哈哈哈)

N: I never register on Nordstrom before, so the address of the thief should not be my address(从来没注册过的说)

Helen Y: We will make sure that it's cancelled and the funds are returned to youN: oh, great news

Helen Y: You are most welcome

N: thank you. may I know how can I trace the following event?(其实到这里还是不放心,我是想要下网站订单号,以便以后容易追踪)

Helen Y: I'm really sorry, unfortunately we aren't able to give out that information, however, we did make sure that there are no other orders placed with your card.

Helen Y: Your bank will need to issue you a different card.

Helen Y: I'm truly sorry

N: understand. can you tell me the order number? if there is no feedback from my bank, I can contact you later with the order number next time.

Helen Y: XX, unfortunately I am not able to provide you with the order(不愿意提供订单号给我)

Helen Y: I'm glad we were able to resolve this on our end as well

N: ok, understand, it's your policy about privacy.N: oh, I got a new SMS, it said that the transaction is revoked.N: from my bank

Helen Y: Great

N: so quickly, thanks for your great help, I do really appreciate about that.(事情解决了,总得感激下啊^_^)

N: have a nice day. thank you !

Helen Y: Have a lovely day

This chat has ended.

陈了了 小学五年级

别说鸟语,看不懂

游子心 小学五年级

哥不用信用卡,没有必要

Danary 硕士一年级
陈了了

呃,信用卡是在国外的网站被盗刷的,联系到国外的客服,只能跟别人讲英文,不是故意要讲英文的。

RareSpace 博士一年级

要英文好,不然干瞪眼

苏多多_7 大学四年级

D娃夫,棒棒哒

masonreal 高中一年级

机智的妹夫

小小刘儿 硕士一年级

招商的卡怎么总在出问题

Danary 硕士一年级
hongbaby58发表于 2016-01-19 20:56 招商的卡怎么总在出问题

我倒觉得招商银行的客服服务非常好。殊不知别的行各种态度冷淡啊。。。

vickiwang 大学一年级

你们是不是在国外刷过卡,国外知道信用卡背面3位数字就可以随便刷

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