CIBC chargeback / fraud inquiry

[redhearts]

I was reviewing my statement last month & saw two charges from Esso stations in Quebec totaling about $100. As an Ontario resident who hasn't been to Quebec since.. probably the late 90's, I called CIBC to have them investigate. They claimed these were swiped transactions by my secondary card (my boyfriend's VS) -- but neither of us were anywhere near Quebec.

Today I received my answer from CIBC, basically saying due to the fact that these were swiped transactions, they can't help me & I should follow up with the merchant. I feel like this isn't good enough. It'd be one thing if it were $5, but $100 is a fairly nominal amount of fraudulent charges. What can I do from here? I thought charges of XX dollars required a signature.. where does this come in? Show me my signature, CIBC! ...

[GSRee]

I was reviewing my statement last month & saw two charges from Esso stations in Quebec totaling about $100. As an Ontario resident who hasn't been to Quebec since.. probably the late 90's, I called CIBC to have them investigate. They claimed these were swiped transactions by my secondary card (my boyfriend's VS) -- but neither of us were anywhere near Quebec.

Today I received my answer from CIBC, basically saying due to the fact that these were swiped transactions, they can't help me & I should follow up with the merchant. I feel like this isn't good enough. It'd be one thing if it were $5, but $100 is a fairly nominal amount of fraudulent charges. What can I do from here? I thought charges of XX dollars required a signature.. where does this come in? Show me my signature, CIBC! ...

Swipes at the pump never require a signature.

Do you gas up at Esso? Maybe they're legitimate charges and the Quebec address is the mistake. It's happened to me before where I shop at a store in location X and their out of province head office address shows up on the statement, making me think fraud.

Also, does your boyfriend have an alibi for the dates in question? j/k :)

[knapper]

My CIBC card was compromised a couple of months ago and I had a bunch of "swiped" charges from Quebec (particularly in St. Leonard) for gas, hotels and movies. Total was close to $2,000 and they had no problem taking the charges off my card.

[audit13]

You should ask CIBC to check their records to see if there were any other charges to your account from Toronto within a few minutes of the Quebec transactions. This may convince CIBC that, despite advances in high-speed travel, you could not be in Quebec one minute and in Toronto five minutes later.