Garanti BBVA Failed to Stop Unauthorized Transactions on My Credit Card
On December 21, 2024, between 19:27 and 20:48, a total of ₺217,297 was withdrawn from my Garanti BBVA credit card ending with ****1014 through 10 unauthorized transactions to "SPACERS DB LIMITED." Despite not clicking any suspicious links or sharing my credentials, these transactions occurred, revealing a critical security vulnerability in your system. Your security department attempted to call me during the first transaction, but I could not answer due to a personal emergency. Typically, high-value transactions should require approval or be canceled if the customer is unreachable, but this was not followed. Notifications arrived at 19:28, but I noticed them late, and while reporting the issue, further withdrawals occurred due to a delay in blocking the card. Instead of immediately blocking it, I was advised to request a new card to avoid losing my credit limit, allowing the unauthorized transactions to continue. I was later informed that the investigation would take two months, during which I remain liable for payments, with the risk of accruing legal interest if unpaid. This has caused significant financial and emotional distress. I urgently request an investigation, cancellation of liability for these transactions, and a review of your security protocols to prevent future incidents.
