Who needs to refund my money?

[Username12345]

Third party accessed my Amazon account and placed and an order.

Bank says Amazon needs to refund me.

Amazon says Bank needs to deal with the unauthorised charges.

In this circumstance who should I get a refund from?

If this were any other online website you would expect the bank to refund you.

So bank imo. Unless of course you know who this "third party" is, in which case it's them.

It depends. Is the person known to you (I assume they are, as you don't say that they hacked your account)?

Did you give them your Amazon password?

Did you give this person your bank details? If you did then the bank may well not be liable for a refund.

We need to know more.

The bank.

Unless it was your husband/child/friend, in which case there probably isn't anything you can do.

Depends on the circumstances- who was the third party? how did they access your account? do they live at your address? did they hack the account to send the item to a different address?

You may find, depending on your answers, that no refund is due, and you need to make a civil case to pursue the third party.

No, it's not anyone I know.

how did they access your account?

I don't know.

I don't have any information. All that it says is on my account history, is what was ordered and when. That's it.

presumably they used a credit or debit card of yours (that was saved to the account)? in which case i would follow the route for stolen details

is there an address attached to the order history, or was it a download purchase?

Yes, my card was on it. Stupidly.

Don't see an address.

what did they order? was it goods that would need to be sent through the post or something to download? if the former there must be a delivery address associated with the order??

They're Amazon coins, Apparently for apps and games(?)

do you use the same email and password for other sites?

is the amazon account linked to any apps or games that you or anyone else owns? (there have been lots of cases of children being able to make in-app purchases through itunes and running up enormous bills)

I did think of that. I did buy some games for my phone but my phone's linked to google+ not amazon. I've never used Amazon on my phone/tablet. And I've never agreed to buy anything for £90 a pop.

I'm not convinced it is the bank's fault as the charges weren't fraudulent insofar as you had saved your card details on Amazon. From their point of view, the transaction was legal wasn't it? The fraud occurred at Amazon's end.

Where the fraud occurred isn't relevant. If you took the Internet out of the equation, would you return to Target to get your money back if someone used your card, or would you expect your bank to deal with it and refund your money due to fraud?

In the same way, Amazon took it on good faith that the person with your card info (and login) was the one who was allowed to use it. So your bank and their fraud protection would normally cover it.

Side note - scan your computer for viruses and then change all your passwords