Credit card fraud (discuss)

Right at the moment I am a victim of credit card fraud. I do have an appointment with my lawyer this week.

Anybody have the experience of being victimized?

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Someone use my Discover Card online ... and they charged something big. But Discover called me first thing in the morning and asked if I had made the purchase. Of course, I hadn't, so they cancelled the card and didn't let the charge go through. That's as close as we've come so far.

I use virtual card numbers for online purchases now -- they can only be used by a single merchant, so they're useless to anyone else who might get a hold of them.

Sorry you're going through that. It sounds bad if you need a lawyer.

:hug:

explained the fraud asked if I ordered from two different companies. I told him no. The canceled the card and told me not to worry about it but a couple of days later I received two new cards and some disclaimer forms to complete by a certain date or I might be responsible.

It is because of that form I will see my lawyer.

Thanks for your input AirmansMom.

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That's pretty creepy. What card company?

My friend had fraud picked up automatically by Discover and he was sent a simple certification that he signed asserting the same info he provided the issuer via telephone.

But if I were you and the forms raised an alarm, it's well worth the lawyer consult IMO.

Last year someone got hold of my credit card and used it to purchase Hindi movies online. Fortunately, they only used it online and there were only about $200 in charges before I caught it. My bank was really good about going through all my charges with me. I go over my statement with a fine-tooth comb now.

Good luck to you. It sucks. :(

I last used it at a local car service garage about six months ago. The cards stay at home in a lock box. It is very strange.

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and forge his signature. He never found out until after they split up and he started getting collection calls on cards he never knew existed.

Lucky for him I got most if not all of them cleared off of his credit. They didnt do anything to her because it was over 4 years ago :(

Company noticed change in purchase behavior and contacted me. They removed the charges I hadn't made and issued a new card.

I work for a major credit card company and unfortunately I do once in a while do get calls from people who have had their card number used, counterfeited, stolen or otherwise used without their authority.

The worst scenario I have to deal with is when it's a family related problem, e.g. son steals and uses a father's credit card - we advise the father that yes, we can remove the charges as fraud but then we may well go ahead and prosecute his son.

In most cases, we suspend the charges there and then, in a few days they get credited, new cards are sent out (overnight if needs be or arrange for pick up at a local office). Often a letter gets sent out just stating the charges have been taken care of and removed (and if they turn out to be valid we'll write back and support the validity of the charges). In some cases, yes an affidavit would be sent and would need to be returned.

I've also had my credit card with some fraud charges on it (not the company I work for). They'll send a new card, and an affidavit I have to sign to state the charges are not mine.

The one thing I hate with the credit card companies I do business with (not the one I work for) is that if your card needs to be voided out lost/stolen for any reason they will create a new credit report entry. I don't like that one bit. Fortunately the card company I work for doesn't do this. Come to think of it the cc's I do business with also put my credit card number on the credit report too - something I view as a potential security risk. (the cc company I work for doesn't do this, they use a scrambled number instead on the credit report. This however causes a whole lot of other problems when mortgage companies are trying to do a rapid rescore. So I guess you can't win 'em all.)

Mark.

there is no reason for a lawyer unless it's a family member who defrauded you or some other extraordinary circumstance

my card had been stolen before it ever got to me, all i had to do was send in a notarized form explaining the circumstance and i was never charged a dime


it's a federal law that you are not responsible for more than $50 of charges by a credit card thief, most companies won't even charge you the $50, they know you're the victim