u/Examination-Usual

I very much feel like an idiot in this situation and am very upset with myself. I’ve been experiencing a lot of fraud and feel like I’m going crazy. There is a detective assigned to my case but I’m not sure how much they will uncover - I’ve had to be super pushy with them.

All of my cards have been compromised. The bank sends me new ones and then those get hit. I’m officially switching banks because my trust is gone and I’m disheartened by their advice through this whole situation. Every time I called it in, they were telling me I was just having “bad luck” and that “this is the new norm.” Now they are telling me this is not normal, now that they are denying my claims. The fraudulent charges are always at the same gas station (I’ve never been to this gas station, but it is 4 miles from my house - It’s a sketchy looking gas station). I use tap to pay for the most part or Apple Pay - never swipe, I can’t remember the last time I actually swiped a card. I now only pay cash. I’m stalling on buying a plane ticket because I’m scared to use my card.

The bank refunded my first claim, but denied my second stating that the card was present and was tapped. They also claim a pin was used? I didn’t even know CC had pins (that’s on me, clearly I must have set one up?) So now they are insinuating it is someone close to me or it is me doing this.

I cannot fathom anyone close to me going into my wallet, taking my cards, using them and then putting them back. But I don’t want to be naive. I’ve been putting myself on a strict budget to save money, so I’m not going into my wallet all the time. So it is a reality that I may not have noticed a card being gone for a day or so. I go into the office 1 day a week and I live in an active city so I don’t have to go far to do anything, therefore I barely spend money on gas.

Can cloned cards be tapped? I feel crazy and like I cannot trust anyone. I’m at the point where I’m making a spreadsheet of all the transactions and my memories of where I was/who I was with. Again, I cannot fathom anyone I know doing this but I also don’t want to be a complete moron - which I already feel like I am.

I’ve been experiencing credit card fraud since November. My Trio card has been hit three times - reissued twice. I gave up after the third time and told them not to send me another. My other credit card and debit card was also hit. It has to be the same person because they always spend money at the same place.

My first and third claim was accepted. But they just sent me a denial for the second claim I made. When I asked why, they stated that it was because it shows that the card was tap to pay. They told me I can file a police report and get video evidence- but this was back in February. There likely won’t be any. I’m kicking myself for not filing a police report, but I live in a city and everyone told me that the police wouldn’t take it seriously.

I’m worried they just think I’m screwing with them, when this is not the case at all. But there is no way I’m willing to pay money I did not spend, especially when there security system clearly sucks.

Has anyone had experience with this? I feel sick.