Need Advice on Disputing Unauthorized Transactions Linked to My Discover Card

[hjlinq]

Hello eBay Community,

I'm reaching out for some guidance on an issue I've recently encountered with unauthorized transactions being charged to my Discover credit card. These charges are linked to purchases on eBay but were not made through my eBay account. I noticed these transactions starting on October 29, 2023, and they were for items I did not purchase, shipped to addresses not associated with me.

Here's what I've done so far:

1. Contacted Discover: I reported these unauthorized charges to Discover, but unfortunately, they deemed these transactions as valid and were not able to offer further help.

2. Address Verification: All the items were shipped to different addresses, none of which are near my location or known to me.

Given this situation, I am at a loss for how to proceed in disputing these charges effectively. It's a concerning situation, and I am worried about the security of my financial information.

I'm looking for advice from anyone who might have experienced something similar or knows the best course of action in such scenarios. Specifically, I would appreciate guidance on:

• How to effectively dispute these charges with eBay or Discover.
• Steps to ensure the security of my financial information.
• Any additional actions I should take in light of this situation.

Any insights or recommendations would be greatly appreciated. Thank you in advance for your help!

[rfmtm]

This is something you must deal with Discover about.  In the mean time disable your Discover card, or have them replace it.

[hjlinq]

Indeed, I've already taken steps to address this with Discover, including disabling my card and having it replaced. However, the challenge persists as Discover is deeming some charges legitimate. This is based on the seller providing tracking numbers and proof of successful delivery, despite these deliveries not being made to my address or being related to me in any way.

I have provided Discover with my current utility bills to verify my actual address, but they still claim this is insufficient evidence.

I'm at a loss for what more I can provide to prove my case. Would presenting a copy of my home deed or affidavits from acquaintances verifying my residence address be more convincing? I'm open to any further suggestions on how to convincingly demonstrate that these transactions are indeed fraudulent.

[hjlinq]

[redacted]

[rfmtm]

Did you present documentation from the carrier that the tracking numbers were not related to your address?  This is what is generally needed when disputing a scanned delivery with ebay you did not receive and would think Discover would want to see the same thing.

If you have not done the above contact the carrier again for that information on official letterhead and submit an appeal. Otherwise, just what evidence does Discover want?

[hjlinq]

I have provided my most recent electrical bill, with a different address in another state. Discover refuses to provide what "proof" would be valid to them and now eBay is telling me to handle this directly with them. I don't know what else to do.

[rfmtm]

Unfortunately it is past 30 days for ebay to help you, but since it wasn't done using your ebay account, that would be another problem.   I am really surprised at Discover not providing more help.

So apparently someone used their ebay account, but paid for the items using your Discover card.  The first question is how did they get your Discover card information to do this?  At least changing your card should put a stop to it, but I'd still go online and keep an eye on future charges regularly.

If you are sure no family member or other known person has you card information, you will need to file a police report.  They have special access to ebay to have the person's name and address revealed as to whose ebay account used it and provide it to you for further action.