€3,353 Recovered in Full: Credit Card Fraud Recovery Case in Poland
The client from Poland contacted Veritas Advisory Group after a series of disputed card transactions totalling €3,353. The payments were made through Vivid Money over approximately one month, with individual transactions ranging from €53 to €350.
After analysing the circumstances of the transactions and preparing materials for the financial institutions, Veritas Advisory Group secured the recovery of the entire disputed amount — €3,353.
This credit card fraud recovery case demonstrates how important it is to consider each card transaction separately, especially when the total loss consists of a series of relatively small payments.
Series of Card Transactions Over One Month
In the case under review, the losses did not arise from one large transaction. Over one month, a series of payments ranging from €53 to €350 was made on the client’s card.
The total amount of the disputed transactions reached €3,353.
This transaction pattern required detailed analysis. It was necessary to determine the sequence of payments, information about the recipients, the way the payments were processed and the role of the financial organisations involved in the payment chain.
Review of the Transactions and Payment Trail
The first stage of Veritas Advisory Group’s work was to systematise all the disputed transactions.
The team analysed bank documents, payment dates and amounts, transaction descriptions and other available information for each transaction.
The main task was not simply to confirm the total amount of the loss, but to establish the actual sequence of debits and prepare evidence for each individual payment.
This is of substantial importance for credit card scam recovery. Several transactions that appear to relate to the same fraudulent scheme may have different technical characteristics and require separate assessment.
Determining How the Payments Were Processed
It was also analysed how the disputed transactions had been processed through the payment infrastructure.
With card payments, the client sees a debit from his account, but several financial organisations may be involved in processing the transaction. European payment fraud data distinguishes between different payment instruments and participants in the payment process. Therefore, for the recovery process, it is important to establish not only the amount of the transaction but also the participants in the payment chain.
In this case, Vivid Money GmbH and Banking Circle S.A. were of key importance.
Veritas Advisory Group compared the information on the individual payments and prepared the materials so that each disputed transaction could be identified and considered separately.
Evidence Package and Recovery Strategy
After completing the initial analysis, Veritas Advisory Group assembled the evidence base for the case.
It included information on the disputed card transactions, bank documents, payment dates and amounts, and other materials required to confirm the circumstances of the debiting of funds.
Instead of making a general claim for the recovery of €3,353, the work was structured around the individual transactions.
This approach made it possible to present the matter as a coherent credit card fraud recovery case in which the amount of the loss, the transaction history and the participants in the payment infrastructure were linked by documentary evidence.
Communication with Vivid Money GmbH and Banking Circle S.A.
Veritas Advisory Group prepared materials for submissions to Vivid Money GmbH and Banking Circle S.A.
The submissions set out the sequence of events and provided information on the disputed payments, including their amounts and the period in which they were made.
Particular attention was paid to the possibility of matching specific transactions with the client’s documents and establishing the role of the relevant financial organisations in processing them.
This format made it possible to avoid a situation in which the dispute was considered solely as a general allegation of fraud without details of the individual transactions.
Result: Full Recovery of €3,353
As a result of the work carried out, the client was able to recover the full amount of the disputed transactions — €3,353.
Thus, the financial result in the case amounted to 100% of the initially claimed loss.
This result is a practical example of money recovered from credit card fraud following analysis of a series of individual card transactions and preparation of a structured evidence base.
The full recovery also demonstrates the importance of timely documentation of transactions and communication with the financial organisations involved in processing them.
Why Each Transaction Had to Be Analysed Separately
One of the key features of the case was that the total loss resulted from a series of payments made over one month.
Each transaction had its own amount and a separate entry in the banking history. Therefore, for effective credit card fraud recovery, it was important not to combine them mechanically into a single overall loss.
Individual analysis makes it possible to establish the exact circumstances of each transaction, review the available information about its processing and determine which evidence relates specifically to that particular payment.
This approach is particularly important in cases where fraudulent activity consists of numerous relatively small transactions.
What This Credit Card Fraud Recovery Case Demonstrates
This case demonstrates that credit card scam recovery may depend not only on the total amount of the loss but also on the quality of the analysis of the payment history.
In the case under review, €3,353 was debited through a series of transactions ranging from €53 to €350. Preparing the recovery strategy required reconstructing this sequence and presenting it to the financial institutions in a clear evidentiary form.
Work with Vivid Money GmbH and Banking Circle S.A. formed part of this process.
As a result, the entire disputed amount was recovered for the client.
Have You Been Affected by Credit Card Fraud?
If you have identified suspicious or unauthorised transactions on your bank card, Veritas Advisory Group can conduct a preliminary assessment of the circumstances of the case.
Credit card fraud recovery may include analysis of individual transactions, review of the payment chain, preparation of evidence and communication with the relevant financial organisations.
For an initial assessment, it is particularly useful to provide bank statements, information on the disputed transactions, correspondence with the bank and other documents relating to the circumstances of the payments.
If you believe that you have been a victim of credit card fraud, please contact Veritas Advisory Group for a preliminary assessment of your case.
