Tabby Fraud – POS Transaction – What Should I Do?

Hi everyone,

I’m looking for advice from anyone who dealt with Tabby fraud in the UAE.

I had an unauthorized transaction of 2070 AED on my Tabby virtual Visa card. The strange part:

• The card is virtual only (no physical card exists).
• I only have the card in my samsung pay and only added to some websites (shein ,smiles and one time i used it in dubai pay ).
• The transaction is marked as POS.
• Tabby says they only have the Merchant ID and RRN, and they claim they don’t know the merchant name or location.
• I filed multiple disputes with Tabby and they refused to help further.

I already filed a police report. Now they’re asking me to get a prosecution certificate which costs 650 AED in Abu Dhabi.

My questions:

1. Has anyone successfully recovered money from Tabby in a similar fraud case?
2. Is paying 650 AED for the prosecution certificate worth it?
3. Did anyone succeed through Central Bank complaint or visa card?
4. Did Visa chargeback work for anyone in UAE with Tabby virtual cards?
5. Any other route I should try ?

I feel stuck because 650 AED is a lot, but I also don’t want to lose 2070 AED.

Any real experiences or advice would really help.

Thanks 🙏

https://preview.redd.it/hteu8jjnxklg1.jpg?width=720&format=pjpg&auto=webp&s=4759177a5374302189be2a0e0891c45249d87c64