Did you see a erac toll charge on your credit card? You’re not alone! Lots of people have reported mysterious charges from erac toll. This article shed a light on what erac toll is, why you’re being charged, and how to dispute it.
What is erac toll on your credit card ?
erac toll is a payment alias from ‘Enterprise Rent a Car’ (ERAC) which is a car renting service. Though lots of people don’t know this; when renting a car, you get charged if you drive on toll tag lanes.
This is because toll roads are very expensive. As a result of this, ERAC charges a separate bill for it when you use one. This bill is what appears as ‘erac toll’ on your bank statement.
However, in some rare cases, you can get charged after months of using the rented car. This is because it can take a few months for the charge to reach the rental company and then get charged to you.
How To Dispute
If you’re certain you never drove on a toll road or rented any car from ERAC, you can dispute the charge. Contact ERAC customer service to dispute any charges and errors in the statement.
But first; you’ve to verify the toll charge by checking your receipt details on https://www.tollpassgo.com/Receipts-and-Statements/. Once you’re on the site, click on ‘Enterprise’.
You’d be directed to another page were you’ll click on ‘Receipts and Statements’. After that, you’d provide your last name and the first six and the last four digits of your credit card if you can’t remember your contract number.
What To Do If Someone else Used your card
In some cases, the Erac Toll charge could be an unauthorized one because someone stole your credit card details and is passing it off as theirs.
If that is the case, here’s what to do –
Contact Your Credit Card Issuer
Immediately call your financial provider and explain that you’re a victim of fraudulent transactions. You could do this by either reporting the fraud in their app or on their website. Request that any fraudulent accounts that you didn’t authorize be closed and the charges erased so that you’re not responsible for the bill.
Request For a New Card
If fraud is confirmed, the issuer will likely cancel that card and issue you a new one with different numbers.
Update Your Passwords and Enable Two Factor Authentication
The third step you should take is updating your passwords. Make sure you check all of your other credit card accounts to see if they’ve also been compromised. It’s important to note that, even though only one card may have suspicious charges, you can’t be sure how the fraudster got the information. So make sure you change all of your passwords and PINs just to be safe.
Report the Fraud To Relevant Authorities
Report the scam to relevant authorities and organizations. This includes:
- Internet Crime Complaint Center (IC3): If you are in the United States, you can file a complaint with the IC3 at https://www.ic3.gov/.
- Your Local Consumer Protection Agency: Contact your local consumer protection agency or the equivalent regulatory body in your country.
- Better Business Bureau (BBB): File a complaint with the BBB if the online store is based in the United States.
How To Prevent Credit Card Theft and Stay Alert
Don’t shop on Unsecure websites.
Make sure you verify that a website is authentic before making a purchase. You can do this by looking at the URL tab. Does it have a ‘padlock sign’. If it does, it means it has SSL encryption protecting user’s personal and financial data. If it doesn’t, then you should stay away as your credit card details could be stolen or leaked
Don’t Give Out Your Credit Card Information
Beware of phishing scams that aim to ask for your personal and credit card information. Never send your credit card information via email or give it over the phone unsolicited.
Don’t use public Wi-Fi for financial transactions.
You can get hacked using public Wi-Fi. Cybercriminals use a combination of technical know-how and free tools to sneak into unsecured networks and steal sensitive information. This could include your passwords, banking information, or personal data. So stay off Public Wi-Fi when making financial transactions.
Don’t Store Card Numbers With Online Retailers
Even when you’ve taken steps to confirm you’re using a reputable online store, resist the urge to save your card information in your online shopping account.
The concern isn’t that the retailer will misuse your data, but that doing so could allow a criminal who obtains your shopping account password to make purchases without even having to know your card number.
Shred unwanted documents that show your credit card number.
Whether you shop online or in-person, protecting sensitive information such as your credit card number is essential to your financial health. If you want to dispose an unwanted document that contains your credit card details, always shred it before discarding, or burn it up in the fireplace.
Bottom Line
You’ve an erac toll charge either because you drove on a toll road when renting a car from ‘ERAC’ or someone else is using your card. If the latter is the case, you should report to your financial provider to cancel card and get a new one.
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