u/Due_Skin728

Hey, I need some advice because this situation is honestly confusing and frustrating.

A few days ago I noticed two transactions on my Revolut account that I 100% do not recognize:

1. €45 on April 25 at 13:55
2. Another €45 attempt that got declined (insufficient balance) at 16:40
3. €30 on April 26 at 00:32

All from the same merchant “Sumup Vpn Free Avoid”.

I never purchased anything like this, never subscribed to any VPN, and I don’t recognize the merchant at all.

I am going to list down some context details that might be linked to this case:

• I was in Barcelona from April 23–26
• When I look at the details of the transactions, it points to it being done in Barcelona (no specific store location or anything, just the city)
• At the time of the transactions, I was literally in an apartment (not making any purchases)
• My card was in my possession the whole time
• I did NOT receive any authentication request (no Face ID, no confirmation window, nothing)
• I mostly use Apple Pay and only rarely type my card details

Of course, I contacted Revolut, and they rejected my dispute, citing: “our records indicate that your card was present and used”, so they can’t classify it as unauthorized under Visa/Mastercard rules.

But it makes no sense, once again, as I was not making any purchases at that time, nor did I confirm anything.

The support basically told me that the decision is final. I've also terminated my card as a precaution.

However, what confuses me the most is:

1. How can this be “card present” if I didn’t physically use my card and didn’t approve anything?
2. No authentication step at all, how is that considered authorized?
3. The merchant location shows Barcelona (same city I was in), which makes me wonder if something happened there… but I genuinely don’t remember entering my card anywhere suspicious.

I would appreciate if anyone could advise me on what to do next (if there is any way to fight back hahah), or perhaps if anyone has ever had a similar experience or know how this thing might have happened?

At this point I am not even just annoyed about the €75, but I genuinely want to understand how this happened. Anything would really help, thanks!

Hey, I need some advice because this situation is honestly confusing and frustrating.

A few days ago I noticed two transactions on my Revolut account that I 100% do not recognize:

1. €45 on April 25 at 13:55
2. Another €45 attempt that got declined (insufficient balance) at 16:40
3. €30 on April 26 at 00:32

All from the same merchant “Sumup Vpn Free Avoid”.

I never purchased anything like this, never subscribed to any VPN, and I don’t recognize the merchant at all.

I am going to list down some context details that might be linked to this case:

• I was in Barcelona from April 23–26
• When I look at the details of the transactions, it points to it being done in Barcelona (no specific store location or anything, just the city)
• At the time of the transactions, I was literally in an apartment (not making any purchases)
• My card was in my possession the whole time
• I did NOT receive any authentication request (no Face ID, no confirmation window, nothing)
• I mostly use Apple Pay and only rarely type my card details

Of course, I contacted Revolut, and they rejected my dispute, citing: “our records indicate that your card was present and used”, so they can’t classify it as unauthorized under Visa/Mastercard rules.

But it makes no sense, once again, as I was not making any purchases at that time, nor did I confirm anything.

The support basically told me that the decision is final. I've also terminated my card as a precaution.

However, what confuses me the most is:

1. How can this be “card present” if I didn’t physically use my card and didn’t approve anything?
2. No authentication step at all, how is that considered authorized?
3. The merchant location shows Barcelona (same city I was in), which makes me wonder if something happened there… but I genuinely don’t remember entering my card anywhere suspicious.

I would appreciate if anyone could advise me on what to do next (if there is any way to fight back hahah), or perhaps if anyone has ever had a similar experience or know how this thing might have happened?

At this point I am not even just annoyed about the €75, but I genuinely want to understand how this happened. Anything would really help, thanks!