FlyerTalk Forums - View Single Post - Help needed! Virgin Atlantic suspended my account for fraud without explanations
Old Apr 13, 2024 | 7:11 pm
  #8  
zotikus
10 Years on Site
 
Join Date: Dec 2011
Location: Germany
Programs: MR life P, SQ G
Posts: 9
Originally Posted by RAPC
Not sure a chargeback will be an option here. The points are sold via a 3rd party and the OPs issue is with Virgin Atlantic. A chargeback against a correctly billed vendor won't hold up.

As for the OP, this sounds like a very frustrating issue, assuming at face value that no fraud has taken place. Looking at your profile, it mentions China, which may relate to where you mentioned your credit card is issued as your home country? If it is, then I suspect the Chinese card and billing address is possibly a large part of the issue here. China has historically been a problem for airline and hotel loyalty schemes, with much higher than average levels of alleged fraud. For airlines, a particular red flag is around re-selling miles or flights booked on miles.

My hunch would be that a relevantly recently opened account, registered in Europe, that has suddenly received a sizeable deposit of purchased points bought by a Chinese registered credit card will be red flagged for fraud. Typically, the fraud patterns would also involve getting a couple of qualifying flights credited to legitimise the account in advance of using the account to re-sell tickets later on.

With the tickets you then purchased being what are likely to be expensive business cash fares over the Olympic games period, the fraud detection systems will have gone in to overdrive and caused the review.

The above isn't to suggest that I believe Virgin over your account of events, just to explain why the account fraud review likely happened.

The main issue here is that you haven't been asked to submit any evidence to help prove that you haven't acted in any way fraudulently, or against 9.1 and 9.2 of the Flying Club terms. Although they have said that they will not continue discussions, I think the best you can hope to do is to email specific evidence that can back up the details as you listed them previously.
i.e. Proof of Chinese citizenship, proof of living in Germany and proof you and your partners details as the people named on the tickets.

I would suggest that you go back to them with those and to ask for the details to be reviewed on the basis that you can only think that your recent ticket purchase has triggered the fraud review and that you have evidence to back up that they have got it incorrect.

The biggest single issue that you have is that Virgin Points, like any loyalty scheme currency, can be withdrawn at any time and belongs to the issuer. Therefore constructively asking them to review your evidence is probably your best shot to try at this moment.
Hi RAPC thanks for your reply. Your detailed insights already made me feel better.. Yes, I used the Chinese credit card, didn't expect nationality could raise a big red flag in their system. On the other side, maybe that's the reason they wouldn't comment or reply further on this, as it is discrimination? Truly that's also the show stopper here, as they won't go further with explanations or queries for investigation. As you suggested, I will provide some proof to see if it works. But I really don't like this feeling or approach, being convicted with no reasons/evidences and you have to prove yourself innocent. It is like I sue VS for discrimination, but they have to provide evidence they didn't do that.
p.s. 'Virgin Points, like any loyalty scheme currency, can be withdrawn at any time and belongs to the issuer.' - even the points purchased belongs to the issuer? not my property?
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