Enpara.com Refused to Cancel Fraudulent Transactions

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.