Magbabayad ba ako sa fradulent trasaction sa credit card?

Rj  Yan
is a non-Filipino member from the Philippines

Na Scam ako sa credit card. May tumuwag sakin at nagpakilala na taga banko. First time ako nagka credit card and kunti lang alam about it, naniwala ako at binigay ko lahat ng hiningi for verification pati na OTP na inakala kong verification code lang to verify my account yon lang purchase verification code na pala.

After kong nalaman na scam, binaba ko agad ang tawag at tumawag sa Fraud Department. Ni report ko na na scam ako at na block ang account ko pero na push through yung transaction sa Shoppee.

Nagfile ako ng dispute letter since ni report ko naman agad at may time pa na e revert ang transaction pero wala ginawa ang banko at declined yung dispute.

Wala akong nabayaran kahit piso at 3years na ang utang at tawag ng tawag ang collection agency at sinasabing nasa litigation department na daw ang account.

Yung original amount is 34k Php at nag settle na sa 61kPhp including interest.


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Jescelyn Del Rosario
is a Legal expert in the Philippines
If you have taken an action na ipaalam ito sa bank immediately I don't think you will be obliged to pay it. Makikita naman sa place of transaction maybe you can dispute it example dito yung residence sa Cebu pero yung item na ideliver somewhere else. Kailangan kasi in this case na may evidence na maipakita ka na talagang scam ito. The letter that you sent to the bank ay makatutulong po ito na ipaalam sa collection agency. Mas mabuti siguro na magpagawa po kayong ng answer from a lawyer and sent it to the bank to let them know na you are telling them the truth.

About the author

Jescelyn Del Rosario

Legal Services and Litigation works Philippine/Foreign Paralegal Works Graduated AB Political Science and Bachelor of Laws at University of San Jose Recoletos-Cebu Completed Lawyers Trial Academy Training sponsored by IBP Cebu Chapter AIT-DOST Scholar at Cebu Institute of Technology
Profession: Lawyer
MJ Del Rosario Law Office and Associates
Office Address: Block 19, lot 26-27, Deca Homes, Talisay
Philippines , Talisay , Cebu
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