A couple weeks ago I spotted a charge on my Discover bill that wasn't mine. I'd gone to the gas station and filled my tank. The charge for $54.69 was on the bill and correct. It was immediately followed, however, by a charge for $70. As I only have one car, the car has only one gas tank, and I hadn't lent my card to anyone, I knew that the $70 wasn't mine. I phoned and reported it, and was credited. A couple days ago I received a letter from Discover saying that they'd investigated the matter, the charge "appeared valid", and that they were reversing the credit. WHAT??!! This is the company that advertises "$0 fraud liability protection". I told them that the charge wasn't mine, the signature looks nothing like mine, and -- get this -- I'd reported the card missing. They never caught it!!
I phoned again today and I THINK it's been taken care of now. We shall see. I always though that "$0 fraud liability protection" meant that you're completely covered. Maybe they really mean zero protection!
I think I must have dropped the card without realizing it. The $70 charge was at the same gas station, two hours later. I know it'll be resolved in my favor, but one has to wonder at the way some companies do business.
