Questions & Answers
Credit card fraud: Bank threatens travel ban and civil case
Dear Sir/Madam,
I need some advice.
I had a credit card that I cleared when I learned about the acquisition of the bank by another one. After settling all my dues, I kept the card at home and stopped using it.
However, I experienced a fraudulent transaction on my card, amounting to close to 32,000 AED. When I received a message from the bank with an OTP, knowing that I did not initiate the transaction, I immediately called the bank to block the card.
They asked me to file a dispute, which I did, and they assured me that the transaction would be stopped since the card was blocked. Unfortunately, two days later, on October 19, 2020, the money was deducted from my account.
After the acquisition, the bank advised me to fill out the dispute forms again and file a police report, which I did.
I have kept all records from day one until now, which has been almost 2.5 years. However, the bank is now sending me an email about imposing a travel ban and a civil case.
Dear Questioner,
You can file a complaint against the bank, given that the fault is from them since you have everything to prove that in order to restore your balance first, and to protect yourself from any legal action that the bank may take against you.
Dear questioner,
A lawyer can be appointed to file a complaint against the bank to collect the amount and file a compensation claim against the bank because it is considered a mistake.
