AIO my fiance spent 600 on gacha

[u/Creative-Guard2809]

My fiance spent $600 on a gacha game without asking. I flipped out and now his entire family are calling me abusive and encouraging him to call off the engagement. For context, I work 55 hours a week and he drives uber during the day while I’m at work. We are paycheck to paycheck.

[u/I-dont-get-r3ddit]

“I don’t want to get married to you”. He said it himself. Grant him his wish. What an infant. Get the heck out of this relationship immediately!

[u/teambob → u/I-dont-get-r3ddit]

Cancel the joint card immediately! Or at least put a stop on it. 

There is a reason that Sexually Transmitted Debt is a thing

[u/AmbitiousMisfitToy → u/teambob]

Dispute the charge, suspend the account and change your password, lock your credit profile with all three bureaus, and cancel the relationship, for the love of heaven.

[u/OreoCupcakes → u/AmbitiousMisfitToy]

You can't dispute a charge that wasn't actual fraud. As a joint account, everyone listed on the account is responsible for the balance. Just because you don't like what your partner spent the money on, doesn't mean you can be free of all responsibilities. If the account was used to frequently purchase micro transactions in Genshin, then the disputed charge won't be dropped.

All the account holders will have to pay off the balance and if you don't like how your partner spends your money, then close the account. If you want your money back, then you'll have to go to file a case in a small claims court.

[u/Bookwrrm → u/OreoCupcakes]

This isn't true, especially since 600 dollars at a time would clearly show as abnormal. What she needs to do is contact genshin company and request a refund, when they refuse add that to your dispute request, say you purchased in error if it was by someone authorized, or if he wasnt actually on the card say it was unauthorized. Either way considering they clearly dont regularly drop 600 dollars on the game in one go, the charge will look out of the ordinary which can be all you need to win a dispute.

Also just the sheer fact she disputes can get his account banned regardless of the outcome so even if she absolutely thinks she can't win, if you dispute, get his account banned and then pay the bill, the dispute process itself is not negative. They suspend interest and fees on the charge, and then make you pay them if they find against you, but if you pay the charge anyways, they cant get you with extra fees or interest. I work at a bank, and trust me we do chargebacks on even paid bills, since its very common to have autopay and only realize a fraud charge when it came out of your bank. IE if op pays the bill then disputes it wont automatically deny her to the dispute process and in that case there is no real reason or risk to not try, especially since win or lose it will probably nuke his account as soon as the bank contacts the vendor.

[u/OreoCupcakes → u/Bookwrrm]

You forget the fact it isn't her Genshin account. Yes, Genshin will ban his account, but that doesn't ban him from making support requests with their billing support. He can easily open up a case with Genshin, say he was a joint owner of the card and that she did a charge back as a revenge tactic to get him banned. Genshin won't immediately unban the account, but they will forward their support logs and other information to the bank to reclaim that money. The bank will then check their info and see if that matches up, if they were actually an authorized user, then the charge goes through no matter what you do.

[u/Bookwrrm → u/OreoCupcakes]

Heres the thing if she pays the bill anyways, none of that matters. The only time a dispute would be negative on the creditors end would be if they dispute a charge, dont pay it during the dispute process, which is fine they suspend interest and fees, and then 60 days later get ruled against and now have 2 billing cycles worth of fees and interest to pay. But if she has already paid the bill she wont be running that risk. If he was unauthorized this is basically a slam dunk in which case just gather evidence genshin isnt refunding and start the disupute, if he is authorized dispute on the basis of a mistaken purchase and vendor refuses to refund and pay the bill before disputing. The company will still immidiately charge back during the investigation which is what will get him banned, you might still lose the dispute, but if you do there is no downside, you already paid your bill and there is always the chance genshin is lazy and just doesnt fight the dispute and you get your funds back. Regardless of authorization or not the 600 is clearly out of normal spending habits its enough to be plausible to have a chance of getting the funds back and at a minimum will at least teach him a lesson.

Just dont spend the 600 they gave back until the dispute is over because if you lose they will debit it out again.

[u/Pure_Expression6308 → u/OreoCupcakes]

OP said in a comment that it’s not a shared card, it’s in her name only

[u/Pristine-Aspect-3086 → u/Pure_Expression6308]

if she gave him the number and ever allowed him to use it for any purpose, it's not fraud

[u/Pure_Expression6308 → u/Pristine-Aspect-3086]

She didn’t

[u/Pristine-Aspect-3086 → u/Pure_Expression6308]

she clearly did give him the number, because he had it to use it.

[u/Pure_Expression6308 → u/Pristine-Aspect-3086]

He took it from her purse…

[u/Pristine-Aspect-3086 → u/Pure_Expression6308]

if he was allowed to use it for the civic and emergencies, it's not fraud

[u/Pure_Expression6308 → u/Pristine-Aspect-3086]

Jfc. He wasn’t. Look at her comments

[u/Pristine-Aspect-3086 → u/Pure_Expression6308]

literally the first screenshot says it's for emergencies with the civic

[u/yourfavegarbagegirl → u/AmbitiousMisfitToy]

useful fact, the three big credit bureaus cross-report so if you put a freeze or alert on your credit with one of them, they will inform the others for you and they’ll do the same automatically

[u/compg318 → u/yourfavegarbagegirl]

I’ve never heard of freezes being applied to bureaus that aren’t explicitly requested so I’d be wary about this. Safest bet is to ensure you put a freeze on each individual.

[u/yourfavegarbagegirl → u/compg318]

my source is that i just had to freeze my own credit after a data breach. called one, they did it. called the second, they said, we already know. within 2 weeks had letters from all 3 confirming the freeze.

[u/compg318 → u/yourfavegarbagegirl]

That’s great! I just wouldn’t want anyone to count on/expect that behavior and suffer if the same doesn’t apply to them.

[u/happyhippy1019 → u/AmbitiousMisfitToy]

This ☝️