Last month we saw a charge from our local Best Buy store on our Bank of America credit card statement. We had never been to Best Buy in years, and I can't remember when or if I've bought anything from there. The same day the charge was made we disputed the transaction. After processing the claim, the credit card company rejected our claim because the purchase was made with a chip card, which is hard to duplicate. They know whether a purchase was made by swiping or inserting a chip card. I told them we had lost a credit card before the transaction was made, but they say the purchase was made on the new card. I again called to refile the claim.
Is it possible for someone to spoof a chip card at a store? And how can I go about making sure my claim is accepted?
What happened is simple. We had lost card A. We then got card B. BofA says the transaction was made on card B, and I verified this by calling Best Buy corporate. We realize now that we also lost card B shortly after getting card A. We keep our old cards, and I noticed I did not have card B. I told BoFA about this, and the fraud claim was accepted. We had not used card B since getting it.