SunTrust Banks, Inc. Credit Card Complaint

SunTrust Banks, Inc. Credit card department,

Identity theft / Fraud / Embezzlement Georgia

- - - Fraudulent transaction attempted with my credit card account at - in -, Georgia - card was previously issued with security chip, and fraudulent transaction attempted with card not containing a chip - this attempted transaction was declined by the merchant - a second attempt was then made with a " card not present '' transaction at the same location - this transaction was reviewed by SunTrust Visa credit card fraud desk and approved by them without contacting me - - - I notice the charge on my account and call the credit card company to dispute the charge - on - -, I receive a credit for the amount after having filed a signed affidavit - - - SunTrust hard posts the amount to my credit card account with no explanation - I dispute the transaction again, and they close the dispute claiming that it is a duplicate of the previous dispute - - - I go to the SunTrust branch where the very professional and helpful banker calls the credit card service desk on my behalf to determine why the transaction was posted - after asking the same question at least 5 times and speaking to - different people who barely speak -, it is finally explained that - " provided sufficient documentation that the transaction was valid '' - this documentation was not provided to me, nor did the bank communicate to me without my spending hours on the phone and at the bank branch trying to learn what was happening - the bank claimed that the purchase was " in my normal pattern of spending behavior '' ( ignoring the fact that the transaction in question was at a location where I have never been, was originally attempted with a card with no chip when the bank had issued a chip card to me, and was subsequently processed in a " card not present '' situation and processed by SunTrust fraud services )