I don't recognize an Amazon Prime charge - Round and round we go.

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Apr 22, 2018
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I noticed a charge on one of my business credit cards for an Amazon Prime charge for $16.45. I have a few Prime accounts for various businesses I own and I checked all of them and none of them use this credit card - I assume it's fraudulent. No one else has use of this card.

I called Amazon and they asked for the charge amount, the credit card number, and the charge ID. I checked my Amex statement and it has a number on it but apparently not the charge ID. The Amazon person looked and said they can't find any charges on that credit card at Amazon. I stated to her that I'm staring at my statement and it's there - she needed the charge ID and couldn't help me until I obtained that.

I called Amex and they were able to give me the charge ID. I called Amazon and I explained the situation to them including I have several Prime accounts and none use that credit card. He took the charge ID number and stated it appears to be a legit account. I asked him which account it was funding and he couldn't tell me but if I guessed it, he'd then tell me. So I start rattling off my various Amazon sign-ins and he's replying no, no, nope. I then asked if it was a business account or personal and he said personal. I reiterated that this would never be on a personal account and then he told me the first letter starts with K. I again reiterated that I do not and have never had an account anywhere with a signin for anything that started with a K. He said well then it sounds fraudulent and he will kick it over to fraud department.

An hour later, I get an email from the Amazon fraud department stating there appears to be no fraudulent activity on the account and no changes were made. Amex said they can cancel the card but automatic charges will continue and move over to the new card automatically. Sigh...

So I'm paying for someone else's Prime but can't cancel it because I don't have access to someone else's account? I wasted 2 hours on this yesterday just to receive that email from Amazon's fraud department. My guess is someone used my name with a different sign-on and when they look it up, it has my name on the account and my name on credit card.

Thought? Ideas?
 
You’ll need to resolve this with AmEx, not Amazon. Amazon is unfortunately not going to help you out since you don’t own the account that’s committing fraud.

Call AmEx and specifically do these 2 things:
  1. Report an unauthorized fraudulent charge on your card
  2. File a chargeback for the fraudulent charge
Make it clear to AmEx that your card has been compromised and used fraudulently. They should have processes in place to deal with this, reverse the charge, and issue you a new card without transferring the Amazon charge to it.

You might also try saying something to this effect to the AmEx customer service rep to be extra clear:

“I need a replacement card due to fraud, and I need you to explicitly opt this card out of the automatic billing / account updater service so that this merchant cannot automatically roll over the fraudulent charge to the new credit card account number.”
 
That makes absolutely no sense. The whole point of cancelling the card is to stop exactly that from happening.
CSR had a very thick accent and was difficult to understand - I THINK they were treating it as if I lost my card and not fraud. I'm on the phone with Amex now and I made it clear it's fraud. Thankfully, this person seems more with it - reviewing my account right now. The whole experience yesterday was very frustrating.
 
That makes absolutely no sense. The whole point of cancelling the card is to stop exactly that from happening.
I don't think is that uncommon and my credit union said the same thing can happen when the charges come from "known" companies. They say they do this so that customers can get any recurring bills updated to the new card vs having a charge declined. Imagine you have some utilities on auto-pay and life is busy - service(s) could get shut-off for non-payment. I can kinda see why they allow it, but maybe they need an option to exclude this "roll-over" option to companies you can specify.
 
If you request a replacement card, old recurring charges will automatically be applied to the new card. That's just the way it is now.
I just did that with a Visa card, one of which my wife lost somehow in the house...

Now if you report a fraudulent charge, and not a replacement card, the charge is handled differently, even though a replacement card may be issued.
 
You’ll need to resolve this with AmEx, not Amazon. Amazon is unfortunately not going to help you out since you don’t own the account that’s committing fraud.

Call AmEx and specifically do these 2 things:
  1. Report an unauthorized fraudulent charge on your card
  2. File a chargeback for the fraudulent charge
Make it clear to AmEx that your card has been compromised and used fraudulently. They should have processes in place to deal with this, reverse the charge, and issue you a new card without transferring the Amazon charge to it.

You might also try saying something to this effect to the AmEx customer service rep to be extra clear:

“I need a replacement card due to fraud, and I need you to explicitly opt this card out of the automatic billing / account updater service so that this merchant cannot automatically roll over the fraudulent charge to the new credit card account number.”
This^
 
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