An old payment is charging an old car that is not active but monzo keep allowing the payment

Help
1

An old payment is charging an old card that is not active and monzo keep allowing the payment, this is an act of fraud. How do i stop this?

The account keeps paying these fraudulent transactions. It needs to stop, some fraudulent entities keep trying the old car and when money is in the account monzo approves it. This wild and no way to stop monzo doing this

2

Why/who are they charging you and for what?

If it’s something you signed up for, speak to them. If it’s genuine fraud then report it as so.

3

It’s not fraud if you didn’t cancel your “old payment”.

Changing your card doesn’t end any subscription. You need to cancel it with the merchant and ask for a refund if the payments are taken in error.

When you replace a card, details can be passed to recurring merchants using the automatic updater service.

1 Like
4

It’s fraud if you have never had a relationship with the entity charging you, and someone else has used your card details to purchase things.

It’s not fraud if it’s a merchant you signed up to or bought from, ie it’s a merchant you recognise and you know what the payments are for.

Either way you should speak to Monzo.

5

So the merchant (online course), if thats what you want to call them, wont stop payment. After numerous requests to stop they continue and with it being a payment from a debit card that they continue to charge not a direct debit i cant stop it my self. After trying to go through the fraud team to reclaim my money with success, next month i am charged again like clockwork. The fraud request also results in a new card that the “merchant” doesn’t have access to but monzo allows it.

6

What did the merchant say when you spoke to them?

You can ask monzo to cancel the continuous payment authority on the card which they must do.

7

This is the wrong team, because it isn’t fraud.

Ask Monzo to cancel the continuous payment authority, they are able to do this. You can also ask Monzo to charge back the transactions if you:

  1. Have evidence you didn’t sign up to these payments (it’s not part of a previous agreement with a fixed term you made)

  2. Have evidence you tried to cancel the ongoing payments (and again were in your rights to do so)

You can raise the dispute by choosing ‘something wrong’ on the transaction page. Make sure you select the top option:

image
image1206×1408 161 KB

1 Like
8

What’s their reason for refusing to stop it?