Sweetdreamer29
Reviewer
Merchant does not have to remember that it was you. Merchant has to look at the timestamp of the transaction and then find the CCTV footage for that timestamp.Like I had said, I’ve already tried it out. I wasn’t asked a question and I got back my money back.
After all, if CC doesn’t try their best to win the money back to me, they are probably going to lose a customer. I’m a trustworthy customer as I’m using all my CC past 8 years. Therefore, CC would go hard on the merchant.
Merchant can use CCTV footage but they would need to remember it was me. And relying on ones memory to be able to dispute charges sounds like a bad idea to me.
The mobile phone will surely give out the location. However, the location is with the SIM card company. CC will have to make a case to know if I was near to that DB. But remember, here CC is not the one who’s trying to know if I was in DB. It’s the DB who wants to prove I was in DB. But I don’t see a way DB would know my number and would go to an extent to get my location.
CC company here is in my favor and is only waiting for proofs from merchant. It’s the merchant who needs to go and figure out it was indeed me, or else lose the money.
Also, our mobile phone connects to a cell tower. It’s always the nearest cell tower location that our phone reports as our location.
Our exact location can be know by performing cell tower triangulation. Read about it.
However, SIM card companies can’t maintain a log of users exact location as it’s a privacy violation. So they only maintain the cell tower to which a device is connected to. Nothing else. And I could be several KM away from a cell tower to which my phone is connected to.
I work in Mobile phone industry.
You may be a good customer for credit card company but there is still a full fraud investigation process. When I have disputed transactions with Citi in India, they gave me a provisional credit with a condition that after 90 days final call on the disputed transaction will be taken. I don't see why the process will be different in US.
If there is a police/fraud investigation, the mobile company will supersede your privacy as legally they will be bound to give data for investigation.
You may have succeeded in the past and you may succeed again but it is not a slam dunk.
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