Epoch and H&M Fraud Charges on Credit Card Without Consent

I would like to report the financial harm I experienced due to unauthorized charges made on my Garanti BBVA personal credit card without my knowledge or consent. On the night of December 30–31, 2025, at approximately 1:47 AM, 1:48 AM, 1:49 AM, and 1:59 AM, unauthorized transactions were made through Iyzico/H&M in the amount of approximately $121, along with three separate charges of about $0.28 each under the name CHF Epoch, totaling roughly $372 in unauthorized charges. I did not approve any of these transactions, and I did not receive any notification while they were taking place.

As soon as I noticed the situation, I called Garanti Bank at around 2:04 AM, had my credit card immediately canceled, and applied for a replacement card. I also attempted to contact H&M customer service but was unable to reach anyone. Despite this, I have not received a clear explanation from either Garanti Bank or the related companies as to how these transactions were approved, why authorization was granted, or how my card information was used without my consent through their systems.

I request a full refund of all charges made through both Iyzico/H&M and CHF Epoch. Additionally, I demand a clear, detailed, and written explanation of how and at what stage these transactions occurred. I do not accept that my card information was used without authorization and that these charges were processed through these companies’ systems. I request that a full investigation be conducted promptly, that those responsible be identified, and that my financial losses be fully resolved.