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Update On The Kroger VGC Fraud/Elegant Scam Situation
I wanted to give everyone a quick update on Joe’s situation with dealing with the fraudulent cards. I covered the whole scenario in more detail a month ago but I will give you a quick overview.
Brief History of the Situation
There are people placing bar codes inside of Visa gift card packages at Kroger stores. My belief is that it is someone who works at the gift card company but I have no proof of that. They place paper bar codes in where the gift cards are scanned to be activated. This bar code activates a card they have themselves and not the one in the package.
This makes it difficult to dispute the charge with Kroger or the gift card provider because they show it being properly activated. Even though the activation is to a card other than the one in the package.
The employees at the Kroger store admitted that they were aware of the issue but said it was store policy not to refund gift card purchases. They sold a fraudulent product and they were aware of the issue but essentially said take a hike. Instead of taking responsibility for not properly training employees on the issue they left it at Joe’s feet.
The gift card vendor was not any more help since they showed a card properly activated. Joe probably could have tried to get replacement cards issued. The problem was his purchases were from 3 different gift card vendors and he didn’t want to attack that beast head on.
I told you in the original write up that he was going to file a charge back with Chase. Most people thought this would not work. I figured that it may because of the information he had on hand and he was able to provide a narrative of what happened. Joe just reached out to me to confirm that Chase awarded him the charge back and he was credited for the purchases.
I am glad Joe was made whole on these purchases. And I think it was a fair move on Chase’s part to uphold the charge back. I am not sure if Kroger agreed to it as well or if Chase just told them tough luck. There is not telling if this would work every time and I suspect it is very YMMV. But it is good to know that filing a charge back is an option should you come across the same issue.
Miles to Memories has partnered with CardRatings for our coverage of credit card products. Miles to Memories and CardRatings may receive a commission from card issuers.