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Inactive credit card was lost, then somebody used it, will I be held liable?

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ariesdelacruz


Arresto Menor
Good day,

I have here a weird case about my east west credit card.

Nawala ko yung credit card na unused pa, nasa envelope pa kasi accidentaly nadispose ko nung naglipat kami ng apartment. Then nagkaron sya ng transaction amounting to 30k, hinala ko may nakapulot at sinubukang gamitin. Nalaman ko lang na nagamit na sya ng ininform ako ni eastwest. Ngayon nagcocomplaint ako na never ko naman sya inactivate pero nagamit nung culprit, pero ang sabi ni eastwest ay preactivated daw sya. Ngayon hinahabol ako ng bangko at nagfile na rin ako ng dispute pero iniinsist nila na ako daw ang magbabayad non. Ang hinahabol ko ay hindi ko naman sya inactivate, sa katunayan meron pang activation request form na nakaattach don sa envelope na.

Tanong ko lang, realistically may laban ba ako sa eastwest, since sa tingin ko dapat ay hindi ko bayaran since hindi ako informed na preactivated sya? May card din ako sa ibang bank and before ko nagamit ay inactivate ko muna. Kung possible gusto ko din magfile ng complaint against eastwest. Sa tingin nyo po may pag asa pa ba yung case ko? Salamat sa sasagot. By the way 4 months po na inacyive yung card bago nagamit nung nakapupot. Salamat ng madami.

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xtianjames


Reclusion Perpetua
imho hindi yung pre-activated yung card ang dapat mo pagtuunan ng pansin kundi yung unauthorized na pag gamit ng card mo. kung yung activation kasi ang ipopoint out mo, pwede din gamitin against you na sayo dineliver yung card at hindi na nila kasalanan na nawala mo yung card at hindi mo nireport sa kanila para macancel.

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ariesdelacruz


Arresto Menor
Thanks sir! Actually nagfile na rin ako ng police report. Since unauthorized transaction sya, may posibility pa din ba na paboran yung dispute claim ko? What if i insist on not paying? Alam ko naman na hindi ako makululong because civil case lang sya, pero to what extent do you think they'll be going after me?

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xtianjames


Reclusion Perpetua
yes it is possible. nireport mo naman agad nun natuklasan mo na may unauthorized access right?

most probably they will just chase you for the credit at kukulitin ka magbayad.

just to share, i had a similar experience with east west. nagissue sila sakin ng new credit card pero hindi ito dumating sakin. nagulat na lang ako at may dumating na bill sakin. nagcomplaint ako sa kanila kasi impossible na gamitin ko yung card since di naman sya nadeliver sakin. sa system nila may nagreceive nung card pero hindi ako at staff sa front desk. anyway i filed my dispute at after 90 days nireverse naman nila yung mga unauthorized purchases.

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ariesdelacruz


Arresto Menor
Wow. Glad to know sir na nireverse nila. Anyway sa case ko kasi nawala yung card ng August 6, since yun yung araw na naglipat kami ng apartment. August 14 may nacharge na, then August 17 ko lang nalaman nung ininform ako thru sms ni eastwest then nagulat na ako at nireport ko din right away. Ineexpect ko na hindi dapat sya magagamit since hindi ko naman sya inactivate, 3 mos na sya nandon lang sa drawer ko at never pa syang nabuksan since may existing card na ko noon. Thank you sir.

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ariesdelacruz


Arresto Menor
Sir,

Good day, additional query sir.

Nakareceive na po ako ng decision from east west regarding dispute sa fraudulent transaction. Sabi nila final decision in favor of the bank. Maikocontest ko pa din ba yun sa kanila? or to any government agency? I insist on not paying pa din since Hindi nga ako ang gumamit at Hindi ko naman inactivate yung card. Thank you in advance.

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xtianjames


Reclusion Perpetua
kasamaang palad kasi pre-activated yung card nila kaya wala ka kailangan gawin from your end to activate the card. oo its very unsecure pero Sistema nila to so di mo pwede contest.

imho the best you can do is tract the fraudster at mapanagot yun pero para sakin, though yes it is fraud, at fault ka din na di mo dinestroy yung card kung di mo balak gamitin.

if you don't want to pay, they cannot do anything against you. kaso magkaka pangit ka lang na record sa credit history mo at baka di ka na maissuehan ng ibang card or makautang sa ibang bank in the future.

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