"Ronald Raygun" wrote in message
om...
Andy Pandy wrote:

It's pointless reporting it to the police as for a start the OP
can't
be sure it *is* fraud (it could simply be a mistake),

OK, that's possible. But if so, it should be straightforward to
sort out.

Not necessarily. Depends on where the mistake was made.

and secondly if
it is fraud, it's the retailer or the bank that's the victim so
it's
up to them to report it.

This is not necessarily true. If the bank are being so obtuse and
unhelpful as to make the OP suggest they are actually "assisting"
the
fraudster, then if the cardholder cannot get the charges reversed,
*he* is the victim.

Yes, but until that happens, ie until the bank says "it was a genuine
transaction, the charge stands", the OP is not a victim of fraud.

Moreover, it's not just the fraudster who
would benefit, but the bank and card company too, from the
transaction
fees involved. Thus if there is fraud, and the bank and card
company
are facilitating it by being less than enthusiastically helpful to
the cardholder, they would automatically become accomplices.

If the bank refuse to refund the charges despite knowing that the
transaction wasn't genuine, then the bank themselves are the
fraudsters!

--
Andy