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Mysterious credit card charge


Peter O
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This morning I checked my credit card balance and saw a strange charge:

 

$9.95 from a site called M-TechInc.com

 

I had never heard of this site until I saw the charge on my card. Looks like the site sells website templates for $9.95, something I have zero use for. Calling the listed number there leads do a generic answering machine, I left a message and sent them an email.

 

My bank (a credit union) says that since the charge is under $50, I can't dispute the charge or file a fruad claim. The card is a MasterCard. I thought that MC had $0 liability for online transactions?

 

Is there anything I can do? I'll keep trying to get ahold of M-Tech for a direct refund but I'm not holding my breath. Yes, it is only 10 bucks, but I don't want to let an unauthorized charge just slide by.

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Weird, but contact MasterCard.

 

I got dinged by that a couple years ago when PayPal was still a more sketchy place to do business and some bastards at PayPal.net got my c/c info. Only charge that ever appeared on it was for porn, and I'm damn well not letting people buy porn if I don't even get to see it.

 

SOOO, I called the bank, they refused to pay the company their money, I got the charge reversed, and no problems whatsoever besides me freaking out. It never happened again either.

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Originally posted by Odie@Mar 23 2004, 02:24 PM

My bank (a credit union) says that since the charge is under $50, I can't dispute the charge or file a fruad claim. The card is a MasterCard. I thought that MC had $0 liability for online transactions?

Yep, point the credit union to http://www.mastercard.com/general/zero_liability.html . They may not be able to file the dispute, but they should cover the charge for you.

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Yes, I filled out that form.

 

If someone had stolen my credit card order, I'm sure they would have ordered more than $9.95 worth of merchandise. I am still at a loss then how some unkown site was able to charge me. The only thing I can think of is there was a "piggyback" charge when I performed a transaction somewhere else.

 

I'll give M-Tech a few days to call or email me. If I don't hear anything, I'll call the bank again and try to contest the charge (and tell them about that MasterCard site).

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I'm sure they would have ordered more than $9.95 worth of merchandise.

 

Eh, you never know. When I got snagged it was for $30 or so and it never happened again and I can guarantee you right now that I never spent any money on pornography or gave my credit card out anyplace else :P.

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My own Credit Card company zapped me for a $50 charge saying I had authorized one of their " business partners " to charge some auto insurance to their plan. Believe me, I nipped that right in the bud. They tried to tell me it would take up to 30 days to remove the charge and free up that $50 again and in the mean time, that money was getting charged interest. I let them know in no uncertain terms that was NOT ACCEPTABLE and that I wanted a note put on my account that no " business partner " of theirs was to ever charge anything to my account EVER, and as they put the charge on the card, they could damn well remove it within 24 hours or I was going to cancel my account and call the States Attorneys office in my area and the Better Business Bureau. It took them exactly 2 hours to get the charge off there and it never happened again for the 2 years I had the card.

 

I have made it a point to make a weekly check of my cards web sites and do a lookie-loo at what activity has been going on. Helps me keep track of it, and helps me keep them honest. :tu: Checking the website was how I saw the $50 charge so fast.

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