Enpara.com Refused to Cancel Fraudulent Transactions
I experienced a serious issue with Enpara regarding an unauthorized transaction on my credit card. On March 17, 2025, I noticed three unauthorized transactions on my card and immediately contacted my bank to report the fraud and request cancellation. While the bank blocked my card and access channels, they refused to cancel the transactions, even though they were still in the pending (provisional) stage. Instead, they told me I could only dispute the charges once they were fully processed and reflected in my balance. I questioned why they did not cancel the unauthorized transactions while they were still pending, and I was told that it was to “protect the other party.” This is completely unacceptable. The pending stage exists to allow transactions to be reviewed before they are finalized. Instead of protecting their customer, the bank prioritized the merchant or the fraudster. I demand an explanation and immediate action to address this issue. Banks should protect their customers, not make them vulnerable to fraud. I request urgent intervention to resolve this matter and prevent similar incidents in the future
This transaction does not belong to me and is an incorrect transaction, and despite contacting the relevant company, it is not being refunded. Even though the related expense was carried out with 3D Secure, this transaction does not belong to me / an unauthorized transaction has occurred. 3D Secure does not always prove that the cardholder has approved the transaction. Therefore, I request that this transaction be reviewed and refunded to me within the framework of Visa/MasterCard chargeback rules. Additionally, my correspondence indicating that I contacted the relevant company and that my refund request was rejected is attached. I kindly request that action be taken in accordance with your bank's chargeback procedure and that the objection process be initiated regarding this matter.
In your response dated 20/03/2025, it is stated that the transactions I objected to belong to me. However, the related transactions occurred entirely because I was a victim of fraud. While I was trying to sell a product, I entered my card information on a platform I thought was reliable. However, upon realizing that this platform was fake, I contacted your bank to report the situation. These transactions occurred without my consent and through a fraudulent platform. It is clear that my card and information have been misused. I request that your bank contact the company involved in this transaction to request a refund and ensure that I am not victimized. Additionally, it is clear under the Bank Cards and Credit Cards Law No. 5464 that banks are obliged to ensure the security of cardholders. Has your bank fulfilled its responsibility regarding suspicious transaction control and security measures? Was any security check conducted for such transactions that carry a risk of fraud? How did your bank approve this transaction without conducting sufficient investigation to ensure customer security? Banks also have responsibility in transactions suspected of fraud. Therefore, I request that the transaction be thoroughly examined and refunded to me.
Hello, We reviewed our customer's request and provided information in writing to the email address registered with Enpara.com on 20/03/2025. If you wish, you can always share your opinions with us through the Solution Center step located at the bottom of the opening screen of our mobile branch.
