WARNING regarding Lowes: Yesterday, my girlfriend caught a $400 fraudulent debit card purchase while it was still a pending transaction and called Lowes customer service multiple times trying to preemptively stop/cancel the purchase. What did Lowes do?
NOTHING! They told her to call law enforcement and take it up with her bank. Today, after being told again by multiple Lowes representatives in the morning that the transaction was STILL pending, it finally went through in the afternoon. As many of you may already know, debit transactions are considered 'cash' transactions by banks and business institutions so basically, my girlfriend is out $400 - there are no safeguards or protections provided to people using debit cards.
So the crook got free stolen stuff but the kicker is, Lowes made a sale and profit! On top of that, despite proving that it was her card, Lowes still won't provide the transaction details!!
But why would they - if the criminal were preemptively caught, it would've hurt their sales! Lowes allowed a fraudulent debit transaction to take place, benefited from it and then shielded the criminal by not providing the transaction details.
We will be filing a claim in North Carolina's small claims court (since Lowes is incorporated there) to recover the loss (as well as travel expenses) since we can prove (via date-stamps on telephone records versus the transaction posting time) that we did all we could to prevent the transaction from processing but was stonewalled by Lowes, which enabled the fraud/loss to occur.
Monetary Loss: $400.