Alberta woman feels disappointed with credit card company after unknown charge of $ 3,500
A woman from southern Alberta speaks out after saying that $ 3,497.59 in fraudulent charges and interest has been charged to her Walmart Rewards Mastercard over the past few years.
She hopes to warn others of her mistakes and also seeks answers from the credit card company.
Shelley Bagnall purchased the card in Lethbridge in March 2018 and used it exclusively at Walmart stores and on its website, paying the balance immediately at checkout.
“In my head, everything is fine because I constantly reimburse my card. I am not receiving any notifications of strange activity on my account. I was not told to have a balance that continues to build up and get bigger and bigger, ”Bagnall explained.
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“I only use my card at Walmart to get points.”
Bagnall said she didn’t receive any electronic or paper statements, but didn’t give them much thought as she knew exactly how and where her card was being used.
In April, she decided to log into her online account for the first time to verify a return.
“I found out I had a balance of just under $ 3,500 so it was pretty shocking, pretty upsetting,” she said.
Bagnall provided Global News with several statements dating back to June 2019. They appear to show numerous charges for subscription services made in USD.
When she found out about the charges, she said she immediately put her card on hold.
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Bagnall said she currently cannot access any older statements in the system, but suspects the bizarre accusations go back further.
“I guess potentially my information was sold from the start,” she said. “Because whoever used my card knew my full name, knew my middle name, knew the PIN code on the back of my card.
“I didn’t give this to anyone.”
Since April 15, Bagnall has tried to reach representatives of Walmart, as well as Duo Bank – the company in charge of the Walmart Rewards Mastercard – but has had no luck.
“To find out that this has been happening for so long and that I wasn’t warned or that there were some weird accusations out there and I wasn’t warned?” Walmart Mastercard dropped the ball, I think, ”she said.
“My mistake, unfortunately, is that I didn’t check my statements earlier, so (this) took a lot longer than it should have.”
She said she ultimately paid off the balance in an effort to protect her credit rating and not incur further interest charges. She said she also contacted the Lethbridge Police Department for help, but authorities were unable to do much to pursue the case.
“I just said, ‘Is there anything you can do on your end to help me?’ “, did she say. “They kind of did everything they could do on their own. They gave me lots of suggestions on what to do if this could potentially happen next time. “
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Global News has contacted Walmart for comment.
A response from Duo Bank on Friday said, “We take all customer concerns seriously. We have followed the standard industry practice of investigating disputed transactions. We can assure you that the customer will be contacted and that a suitable solution will be offered.
Following Global News’s request, Bagnall said she was contacted by a representative from Duo Bank, who offered her $ 1,000 in good faith.
Bagnall told Global News that she is now in contact with Duo Bank to access her old statements and that she plans to accept the offer despite still feeling disappointed.
“They weren’t looking after me.
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Financial adviser Kevin Kranzler said victims of fraud should not be embarrassed if this happens to them, adding that it is very important to keep track of purchases.
“As many (credit card companies) have this liability policy that limits the consumer when it comes to liability issues, you have to be responsible for your purchases,” he said.
“I’m not saying to look at your statements every day (but) at least once a month or when you pay your bill.”
Kranzler has advised its clients to take preventative measures to avoid credit card fraud.
“Keep your credit card with you at all times. Don’t share your PIN information, ”he said. “Try to limit the number of credit cards you have. It’s hard to manage five, six credit cards.
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