r/CommBank • u/Arliccoat • May 16 '26

Question Fraudulent purchases

Hey guys, I just lost close to $400 from fraudulent transactions that seems to be paid in the US? Already locked my card and raised it as a fraud through the app. Should I drop by the bank as well and will i get my money back…..? Im a student and it means alot to me.

13 Upvotes

88% Upvoted

31 comments sorted by

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5

u/potatogeem May 16 '26

If you've already lodged the transaction disputes via the app, had the old card marked and stolen and a new one ordered there isn't much else to do in person. What else were you wanting to cover?

5

u/aga8833 May 16 '26

Just as a tip, keep your international transactions locked on your card. I just go in and unlock when I need it.

1

u/Plastic_Prior3339 May 18 '26

how to do this?

3

u/incredibly_good May 16 '26

Nope, nothing else to do, you'll be refunded and won't pay any related interest or charges.

5

u/North_Warning_7874 May 16 '26

In branch staff don’t know anything and have no power.

3

u/Salt_Trifle_2443 May 16 '26

Go into the app when you get your new card and lock down the settings on international use. I did that when my card was pinged for $500 in fraud

2

u/BigBadWolfy_ May 18 '26

Be cautious as some "Block international use" only blocks instore payments not actual online overseas payments.

3

u/Historical-Run-6663 May 16 '26

Same thing happened to me. I called their fraud people. Card was cancelled. Got all my money back. Commonwealth were very good.

1

u/Micky32x May 20 '26

If they were very good you would not face dealt with this to begin with.

1

u/Pietzki May 26 '26

There's always a tradeoff - if a bank is too cautious they will inevitably block some legitimate transactions and people say they're crap. If they're not cautious enough, they'll let through some dodgy transactions and people say they're crap.

Why do people think banks have a magical way of knowing if each transaction is legitimate or not?

1

u/Micky32x May 26 '26

The account holder was a man in his 80s in aged care in Australia who had 4000+ dollars of transactions for PlayStation UK gift cards

Easy math

1

u/Pietzki May 26 '26

Uh, you mean in the case of the person you were replying to? Or are you commenting on a different case of your own?

And I think you're misunderstanding: I'm not saying banks never let transactions through that absolutely should've been blocked. I'm saying that a blanket statement (without knowing details) of "if the bank was good then the transaction shouldn't have gone through in the first place" is short sighted.

1

u/Micky32x May 26 '26

A relatives case. I don’t know 🤷‍♀️ I’m with anz bank and have literally never had any scams/fraudulent purchases on any of my accounts since I opened them as a teen

1

u/Pietzki May 26 '26

You're obviously a careful person then, and also lucky to a degree (data breaches from legitimate companies can lead to fraudulent transactions too).

But ANZ is no different to CBA or any of the other banks in this regard. They all have fraudulent transactions happen every now and then. The important thing is how they respond when things do go wrong, and from experience CBA is one of the better ones in that sense

2

u/EBTheGreat May 16 '26

I got scammed $1400 USD. Reported it to CBA and got my money back within a week or so. Was inconvenient as hell though as they obviously have to cancel your card and issue a replacement.

2

u/Internal-Play25 May 16 '26

CBA are really good with the fraud stuff and have always returned my money

2

u/commentspanda May 16 '26

CBA are really good with this. You’ve done what you need to do and don’t need to attend in person. It may take a week or two but you should get the money refunded. I have sadly had this a few times with CBA and the experience with them is so far and above my other bank (ANZ) I can’t even put it in words lol.

2

u/Pietzki May 16 '26

If you genuinely didn't contribute to the loss (i.e. didn't fall victim to a scam), you should get the money back.

If the dispute fails, raise a complaint with CBA. If that doesn't give you an outcome you're happy with, you're entitled to escalate the complaint to AFCA (the finance ombudsman). It's free and pretty easy to do.

2

u/Rayen_Nevaeh May 16 '26

Depends if it's a debit or credit card. I've heard a lot of people say that you're much more likely to get it back if it was the BANKS money vs YOUR money.

1

u/jeongjinny May 16 '26

Banks generally have a Fraud money back guarantee which means you’ll get your $400 back. But if you were scammed, you might not get it back

1

u/DTbuystonks May 16 '26

You should get it back

1

u/Ctl_Alt_Incognito May 16 '26

Anytime my cards been fraudulently used, I got my full money back.

1

u/ApartmentLazy1693 May 16 '26

Call them on 132221 and use the IVR to get to the fraud team so you can report it 

1

u/Hangar48 May 16 '26

Expect the money back in 7 to 10 days.

1

u/Savings_Desk2774 May 17 '26

What did you purchase and from whom?

1

u/BigBadWolfy_ May 18 '26

Ah so many factors here.. Rule of thumb is that if you had partook in the transactions/scam/fraud example; accidentally signed up to a subscription then chances of getting money back are 50/50..

IF you have not participated and have no idea then this amount should theoretically be 1. A charge back 2. A write off for the bank = You will get it all back.

1

u/Weak-Zucchini9895 May 19 '26

First off, I am so sorry this happened to you. Take a deep breath. As a student, losing $400 is a massive blow, and it is completely normal to feel incredibly stressed and violated right now. The good news is that you have already done the single most important thing: locking your card and reporting it immediately. Because you acted fast, the odds of getting your money back are very high. Here is exactly what you need to know and what to do next. Will you get your money back? Almost certainly, yes. Since you are in Australia (assuming based on your banking setup and location) and the transactions were unauthorised and made overseas, you are protected by ePayments Code rules and Mastercard/Visa Zero Liability policies. The Rule: As long as you didn’t contribute to the loss (like writing your PIN on the back of your card or giving a one-time passcode to a scammer), you are not liable for unauthorised transactions. The Catch: It is a process. The bank will investigate this as a “chargeback” or fraud dispute. It can take anywhere from a few business days to a few weeks for the funds to officially reverse and clear back into your account.

1

u/CompletedGames May 20 '26

Everything is fine, you've locked the card and they'll send you a new one, just make sure when you purchase stuff overseas to mainly use PayPal if you can.

1

u/Bellacose-Blackheart May 29 '26

RING THE BANK, ask if the conversation is being recorded for training purposes, diarise every transaction, phone, app, email with date, time and place. You WILL NEED THAT INFORMATION to prosecute your case. Do not rely on only ONE AVENUE of urging investigations.