If you come across someone asking for a donation to a good cause on the sidewalk, tapping your credit card may seem like an easy way to make a difference — especially if you don’t carry cash. NBC 5 Responds and Telemundo Chicago Responde took a look at why you may want to think twice before you tap.
On a busy afternoon in early December, Ana Criollo ran a few errands during her lunch break, including making a stop by the Home Depot on North Elston Avenue to pick up a few things.
As she approached the entrance, something unexpected happened on the sidewalk.
“Three men approached me — very exuberant, very excited — like, ‘Hey, we’re collecting donations. There’s a child in our family that’s been a victim of gun violence,’” Criollo recalled. Not having any cash, she told the men she couldn’t help them.
That’s when they told her they accept credit cards and presented a card reader.
“It seems like it’s for a good cause. I can give them $10 and they can just leave me be and I’ll be on my way,” she said was her thought at the time.
But that’s not what happened.
According to Criollo, she tried to tap two different cards without success. At one point the men took her phone and credit card out of her hands. They told her neither of the $10 transactions went through. She declined their request to try tapping a third card on their card reader.
The next day, panic set in as Criollo reviewed her credit card transactions. Right there on her Chase Bank app she saw a $4,000 charge for a catering service — a charge she insists she never authorized. Criollo called Chase Bank and reported the fraud, and also filed a report with Chicago police.
In late January, the bank told Criollo it was denying her fraud claim, stating she authorized the charge. She continued to fight back but faced more hurdles.
“A week and a half later I got a call that it [the fraud claim] was denied because the merchant provided a receipt that I had authorized $4,000,” she said.
The local Chase Bank branch manager helped her get a copy of the receipt. It showed the location of the transaction was next to the Home Depot on North Elston Avenue in Chicago. The vendor is listed as a caterer in North Carolina.
Out of options, Criollo contacted NBC 5 Responds and Telemundo Chicago Responde for help.
NBC and Telemundo contacted Chase Bank and the Home Depot. The Home Depot said in part, “We’re sorry this happened. This isn’t the experience we want any of our customers to have. Like many businesses in the community, we have a longstanding no-solicitation policy at our stores.”
Chase Bank took another look at the case and finally, Criollo got the news she was hoping for.
“They were able to find a resolution to the dispute, and it was resolved in my favor… a huge relief on my end,” she told NBC 5 Responds.
Chase Bank told NBC 5 Responds, “After further review, we let Ms. Criollo know her account has been credited. As always, we remind customers it is their responsibility to protect their credit or debit cards — avoid handing your card or phone to others to process transactions, and always verify the dollar amount before completing any transaction or donation.”
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