FRAUDULENT CHARGES

Microsoft is such a joke, I currently have unauthorized charges on my personal bank account from Microsoft, after multiple associates attempting to do an expansive search for the full card number they are unable to trace the TRANSACTION PERIOD because the
person who conducted the purchase removed the card from their account after each transaction. HOW THE HELL? Because they cannot find the transaction they cannot accommodate me or refund these transactions, therefore I have to proceed with filing a dispute
with my personal bank for all these charges. Microsoft really needs to change how they track purchases and account information. Because clearly anybody can use someone else's card make purchases and remove the card and not be penalized or held accountable
for fraud with Microsoft, they are obviously teaming up with scammers to take peoples money by having this loop hole within their systems.

:)

 

Fraudulent Charges

You can also verify if the charge was made on your account at
http://commerce.microsoft.com If it was, you'd want to contact support and speak to billing. 1-800-4my-xbox if you're in the US/Canada or Contact Us | Xbox Support

 

Fraudulent Charges

Unless the charge is on your account that you own then you can not dispute the charges with Microsoft. Your best option is to dispute the charges with your credit/debit card company and let them handle the dispute with Microsoft. This is what they do
as a financial institution. It's is a lot easier to dispute credit card charges rather than debit card, takes less time.

 

The person that used your card would not get away with it part of the fraud process through your bank would be what is called a chargeback basically MS will take away the licenses to the purchases that were made if they were games or DLC or whatever and
MS will see this as Marketplace theft and permanently ban ANY account that those purchases were made on.

As far as the credit card information even if they could find an account with the card on it currently unless you could verify ownership of the account by getting a verification code sent to any phone or email on the account they would not be able to tell
you anything about the account. And you would still need to file a fraud claim with your bank.

Think about it this way if someone were to get your card information and go online and make purchases say at any online retailer even if you contact that retailer and try and get information about the transaction for privacy purposes they would not be able
to give you any information about that account that made the purchases and would tell you that you would need to file a fraud claim with your bank.

 

If its fraud, you're not going to get a refund.

If someone else used your card at walmart and then you show up later at walmart saying give me my money back , same result. No money given.

Your card, you and your banks responsibility when there's fraud. It's up to the bank to deal with the fraud investigation

 

If in fact it is fraud you most DEFINITELY want to file this with your bank. Even if MS could give you a refund (which they can't) IT IS STILL FRAUD. You should file with your bank as soon as possible. I would also suggest putting more layers of security
on your card.

But if your credit card number was stolen, but not the actual card,
you are not liable at all for unauthorized use; any fraudulent credit charges are usually credited back to your account immediately after THEY ARE REPORTED to YOUR BANK.

So do yourself a favor and protect yourself by call or filing a report with your bank.