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.
On March 22, 2026, at 3:35 AM, a one-time transaction of approximately $92 was made through Epoch.com using my card without my knowledge or permission. I did not make this purchase, I do not know how or under what circumstances it occurred, and I absolutely did not authorize it. As soon as I notice...
On September 12, 2025, at 6:57 PM, an attempt was made by Epoch.com to charge approximately $53 to my Garanti Bank virtual card. The transaction failed because the security code was entered incorrectly, and I immediately canceled my card afterward. However, despite this, I noticed that approximately...
On October 15, 2025, unauthorized transaction attempts were made on my Yapı Kredi Worldcard credit card in the amounts of $85 and 792 SEK without my knowledge or consent. I did not approve these transactions, and my card was immediately canceled. There has been no financial loss, as these were only ...
On June 25, 2026, I noticed that a charge of approximately $115 was made to my Ziraat Bank personal credit card by a company called Epoch.com Multimedia without my knowledge or consent. I did not authorize this transaction, and I have no membership or purchase associated with this company. I reques...
On the night of October 16, at around 3:00 AM, approximately $56 was withdrawn from my Ziraat Bank debit card (account number ending in 9386) by Epoch.com without my knowledge or consent. I did not make any membership, subscription, or purchase; this transaction occurred entirely without my authoriz...
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