Someone Bought Something on Amazon with My Card (What to Do +)?

Have you ever found out that something has been purchased online with your card without your knowledge? It’s a frightening experience, and you may be wondering what to do next.

Online shopping and payment have become incredibly popular in the last decade. Yet, for many people, this increase in convenience has come with an increased risk of identity theft and fraud. Unfortunately, these threats are so common that unique transactions may not even be noticed until it’s too late.

Suppose someone has made an unauthorized purchase from Amazon using your financial information. In that case, it is essential to know how to handle such a situation as well as what you can do to protect yourself in the future. This article will provide all the necessary tips for dealing with a fraudulent transaction on Amazon and explain what actions you should take immediately.

Someone Has Bought Something on Amazon with My Card – How To Resolve?

Did you get an unexpected charge on your credit card for something you never purchased? It could be an indication that someone has used your information to purchase on Amazon.

If this is the case, there are several steps you can take to protect yourself best and cancel the payment. Here’s what to do if someone bought something on Amazon with your card:

1. Contact Your Credit Card Company Immediately

If you find a charge on your credit card statement that matches a purchase made on Amazon, contact the card issuer or bank immediately and report it as fraud. They will freeze the account and issue you a new card with a new number, so you don’t have any additional charges tied to it.

2. Report Suspect Charges to Amazon

Once you have contacted your credit card company, contact Amazon directly as soon as possible so they can investigate the situation further. Let them know which charges were fraudulent and provide them with any relevant details- like was it delivered to another address or sent to an email not associated with your account?

3. Request a Refund from Amazon

In many cases, Amazon may be able to process a refund for any unauthorized purchases immediately without any further investigation, especially if they were shipped to another address outside of yours. Some fraudulent activity may require additional investigation, in which case they may need up to 14 days to process their findings and determine if they can grant you a refund.

4. Change Your Password & Take Other Security Measures

You should also change your Amazon payments password and your regular Amazon login password as soon as possible and enable 2 Factor Authentication for enhanced security. To help prevent future unauthorized purchases, we also recommend setting up “one-time payments” where each transaction requires separate authorization from the user rather than having stored payment information available at all times.

Amazon Payments Unauthorized Transaction Policy

Amazon Payments has a strict unauthorized transaction policy to protect customers from fraud and other illegal activities. All transactions must be authorized by the customer before they can be processed. This includes placing a small “Authorisation” against your account when you request a disbursement and taking payments from your account to check that you own the bank account given.

It is also important to note that selling or exchanging a gift card for cash or other prepaid payment instruments is prohibited, as is purchasing a gift card from an unauthorized third party. Additionally, transferring a gift card to another account once the claim code has been redeemed, and redeeming a gift card to an account if you are not the intended recipient, is also prohibited. Any violation of these terms may result in action taken against the user.

It is possible that someone in your family/company has made purchases with your card fraudulently without your knowledge.

Scope of Policy

This policy outlines the scope of unauthorized or erroneous transactions involving a Payments Account and any balances held. It is important to note that this policy does not apply to transactions involving credit cards. If you have any questions or disputes regarding a credit card transaction, these should be directed to the appropriate party.

This policy aims to ensure that customers are protected from any unauthorized or erroneous transactions involving their Payments Account and balances held. This includes providing guidance on how to report such incidents, as well as outlining the company’s steps to investigate and resolve them. It also outlines what customers can expect in terms of refunds or other compensation for losses incurred due to such incidents.

Your Liability for Unauthorized Transactions

Being aware of your liability for unauthorized transactions when using a payment account is important. If you believe that your credentials have been lost, stolen, or otherwise compromised, or if an unauthorized transaction has been made using your payments account, you should contact us immediately. Depending on how quickly you report it to us, you may be liable for up to $50 in losses. Additionally, if you fail to inform us of any unauthorized transaction within 60 calendar days from the date we either sent a notice to you or you accessed your account history. You may not get back any money lost after the 60-day period.

If there is an error in your transaction history or an unauthorized transaction initiated through the service, contact us as soon as possible and provide us with relevant information, such as your name, phone number, and email address associated with your payment account. We will investigate the complaint or question and may provisionally credit your payments account for the amount in question.

In Case of Errors or Unauthorized Transactions

If you suspect that a transaction is unauthorized or in error, it is important to contact us as soon as possible. We will investigate your complaint or question and may provisionally credit your Payments Account for the amount in question during this time. We will inform you of the results of our investigation within 3 business days. If no error is found, we may debit your Payments Account for the amount of the provisional credit. You can also request copies of documents used in our investigation.

It is also important to contact us immediately if you believe your Credentials have been lost, stolen, or otherwise compromised by anyone or if you believe that an Unauthorized Transaction has been or may be made using your Payments Account. If you report the compromise of your Credentials within two (2) Business Days, you can lose no more than $50. Additionally, you must inform us of any Unauthorized Transaction that appears in the transaction history in your Payments Account within 60 calendar days from the date we either.


If someone bought something on Amazon with your card, you should immediately contact your bank to dispute any unauthorized charges. You may also need to contact the police, depending on the situation. Additionally, it’s a good idea to change your password for your Amazon account and monitor your account activity closely for any suspicious purchases. Lastly, take measures to protect yourself from future fraudulent use of your credit card by making sure that all your important accounts are password-protected, using strong passwords and two-factor authentication when available.

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