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What do I do if my gift card was used by someone else?

Contact the retailer immediately upon noticing the card missing to cancel the card and find out the process for getting a new one. If you don't have the original card receipt, you may still be able to be reimbursed if you have the gift card number or if you registered the card at the issuer's site when you received it.



Discovering a drained gift card is a stressful situation that requires immediate, decisive action. First, locate the physical card and your original purchase receipt, as these are your primary "proof of ownership" documents. Contact the issuing company's customer service department immediately to report the fraud; they may be able to "freeze" any remaining balance. While many retailers claim that gift cards are "like cash" and cannot be replaced, some major brands (like Amazon, Starbucks, or Target) may reissue the balance if you can prove the card was compromised before you used it, especially if it was a digital theft. If the card was purchased at a grocery store and was tampered with (a "card draining" scam), you should also file a report with the local police and the Federal Trade Commission (FTC). Unfortunately, once the funds are spent, recovery is difficult, so your best defense is to always buy cards from behind the counter and check for tampered packaging before loading funds.

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For the most part, companies tend not to allow the return of gift cards unless required by state law (more on that below.) There are exceptions, though. For example, Gap allows customers to return unused physical gift cards and cancel scheduled e-gift cards for a refund.

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Beware of Scams Unlike credit cards, there typically isn't any recourse for consumers when a gift card is stolen or used without authorization, so it is very hard to reverse the purchases or get a refund in these situations.

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One way is to use the card's tracking service. This service logs all of your transactions and keeps track of the amounts you have spent. The debit card tracking service is a great way to keep track of someone that used your card online.

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