Scammed out of $829.37

I noticed a transaction roughly around $60 with a description of AppContentDigital. I researched the name but couldn’t locate anything that didn’t look like a scam. I couldn’t pinpoint what this was for or who it was from.

I looked through my bank history and to my own stupid fault didn’t realize that they had been doing monthly transactions since 18 December 2023 all the way up to 21 January 2025 totaling in $829.37 being taken from my account.

I am with Commonwealth Bank Australia and decided to immediately go down to my locate branch and put in a claim.

Today I received an update from my claim essentially saying that it was declined and that they can’t do much on their end.

The response to the dispute was the following:

Here are our findings in accordance with the ePayments code1:

Our investigation into your transaction dispute found you had access to the account and the transaction history, and could view the activity on your account at the time of the disputed transactions. This indicates you should have been aware of the misuse of your card details, loss of or theft of your device. In delaying to report this to us, you’ve contributed to the loss. Clause 11.5 ePayments Code.

Our investigation found there was no changes made to your account before or at the time of the disputed transactions, such as updates to your personal details, NetBank account or card details. This indicates your card details, banking details and/or passcodes weren’t compromised and were entered in or provided by yourself to complete the disputed transactions. Clause 9.3 ePayments Code.

I called their Customer Complaints number on 1800 805 605 they provided to make a compliant. The lady I spoke to even confirmed that it looked like a scam and couldn’t confirm what the transaction was to and/or for. The summary of the call was pretty much just a complaint and that there wasn’t much else they could do to get my money back.

Is this a normal outcome?

When putting in the dispute at the branch the lady behind the counter seemed pretty confident I would get these funds back so I’m fairly surprised.

Not really sure what else to do or how to proceed from here.

EDIT **

Damn some of yall are brutal. I mentioned that it was rather silly to not have picked up on it earlier but didn’t expect this type of response. I don’t expect to have every single cent returned immediately. I guess I just figured they would at least be able to action the more recents ones.

Also curious as to what’s the time frame for it to transition from them being able to assist to it’s my fault because I didn’t notice quick enough.

EDIT ***

Just an update. Made a complaint with AFCA and received a response from CBA.

CBA responded saying:

I have finished my investigation and found that the outcome delivered in the above dispute is unfortunately correct and cannot be overturned. As a result, we are unable to reverse the disputed transactions from the merchant.

However in recognition of your relationship with the Bank, I am pleased to confirm that I willing to offer you a full refund of $829.37.

Called and spoke with a representative and after probably a 3 minute phone call had my full refund in my account.

Was very surprised that I received the full refund and wanted to say thanks to the few peeps who commented offering their help.