fraudulent credit card charges, has this happened to you???
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One time, my mail was stolen and someone used my new credit card to take $5000 of cash advances. It was a card that I had just applied for, so I didn't even know to expect it in the mail. It wasn't until 6 months after the account was delinquent and they started trying to collect it that I received a phone call about it.
Luckily, I was serving on a volunteer mission in another country when the card was finally sent and used, so it was clear to the cc company that it truly wasn't me. They called my mother and got my number overseas and reached me there. Otherwise, I really don't know what would have happened or if I would have been held liable for the money.
Here and there, suspicious charges show up on my credit cards and I dispute them or I'll get a call from my cc company occaisionally if they see something out of the norm, but I reconcile my budget weekly, so I catch things quickly.
It can happen even if you don't use your card to make internet purchases.
You are so right. I have a friend who used her credit card to pay for a doctor's visit. Well, someone in the doctor's office had all her information from her patient chart including her SSN. This person opened accounts and charged goods. They did catch this thief who was prosecuted.
Is is scary... makes you want to go back to paying with "cash" only . Only this is not very practical when ordering over the internet!
Something I wondered about is, are all these cases persecuted, or does the credit card company just try to get their money back? I would want the person that used my card info to be punished. Guess there are probably too many cases of this for them to really pursue it?!
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I think they will go after them if they can find them. But with frauds coming from out of the country, I would imagine that would be much harder to find and prosecute.
Timely thread! I bought a set of tools from MI Tools on Monday. No email confirmation. I called them 4 time already and had yet to speak to anyone. Emailed them and got no reply. It is beginning to look like a scam.
Got the tools today. These people are legit. Just want to say that.
My CCs were stolen and charged $1.65 and $1.29... small amounts at first, then they went to a mall and bought $200 -$300 items in electronics. I'm guessing, like an above poster, they want to "test" the card first with a small purchase, then go for the bigger stuff.
It was a few cards that were stolen from me, but they were eventually caught and are now in jail. The thieves had more than the CC fraud case against them, so I'm not sure that is what put them behind bars, AGAIN. They were out on parole for a couple of months when they robbed me. They'll be in jail until 2012.
Anyway, the CC companies called me and I was never liable for any of the debt. Maybe the police report helped. What saved me was the CC calling me because I didn't know which numbers to call when the CCs were missing. One should ALWAYS have the CC and other numbers handy in another location so that you can call them when/if you need to do so.
They were cell phone charges (two at about $100 each) when I didn't even own a cell phone at the time. I simply called them up, they asked me to fill out a form and send it in, and they took care of it.
I wouldn't sweat it too much. I always wondered whether those were actually fraudulent charges or mistakes made by the credit card company (debiting my credit card instead of someone else's). I haven't cancelled the card and continued using it for years, and it hasn't happened since.
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. Only this is not very practical when ordering over the internet!
