Why Me?
<div class="IPBDescription">my credit card has been violated</div> I got a call from Capital One a couple days ago. Seems my credit card has been used to charge up ~$7,000 worth of electronics at various stores. Odd thing is that I HAVE my credit card, right now – and have never “lost” it.
The last legitimate charge was in last December, so I guess it was easy for Capital One to identify odd usage. They’ve cancelled that card (and reissued me a new one). Will I be held responsible to pay for those charges? They’ve opened an investigation concerning the fraudulent charges but I don’t know how likely it’ll be that I won’t have to pay anything.
What should I be doing right now? Anything? I’m going through and canceling cards I never use, and I was thinking of calling and lowering my credit limit on the cards that I keep. Should I be doing my own research to clear these charges or should I leave it up to the Capital One investigation?
The last legitimate charge was in last December, so I guess it was easy for Capital One to identify odd usage. They’ve cancelled that card (and reissued me a new one). Will I be held responsible to pay for those charges? They’ve opened an investigation concerning the fraudulent charges but I don’t know how likely it’ll be that I won’t have to pay anything.
What should I be doing right now? Anything? I’m going through and canceling cards I never use, and I was thinking of calling and lowering my credit limit on the cards that I keep. Should I be doing my own research to clear these charges or should I leave it up to the Capital One investigation?
Comments
The bank refunded his money instantly
yeah, I know - it could be worse....
But it still SUCKS.
Never throw out any financial papers, this includes receits, bank statements and anything else involving the account.
dont have a credit card
credit cards to get himself rooms in Luxurious hotels, rent
Limo's and buy goods.
He would simply go shopping in a normal place, and wait
for someone to be standing inline, waiting to be served,
who had their credit card out ready to be swiped by the cashier.
(It's amazing how many people do that, look next time you're at a
supermarket.)
He then joined the queue behind them and tapped their card
details into his mobile phone.
He seemed really pleased with himself when telling the camera-men
that. He said he would have loved to have seen some of the people's
faces when they got their monthly statements.
I'm probably worrying GrayDuck alittle now.
If you didn't spend that money then you probably won't have to
worry about a thing. Expect a fair few phone calls and letters from
Capital One while they investigate. Reply to them as quickly as
possible and they'll get it sorted alot faster.
Never throw out any financial papers, this includes receits, bank statements and anything else involving the account. <!--QuoteEnd--> </td></tr></table><div class='postcolor'> <!--QuoteEEnd-->
If you do throw them out, shred/tear up completely/burn them.
Didn't cost us a cent though, heh. <!--emo&???--><img src='http://www.unknownworlds.com/forums/html//emoticons/confused.gif' border='0' style='vertical-align:middle' alt='confused.gif' /><!--endemo-->
Never throw out any financial papers, this includes receits, bank statements and anything else involving the account. <!--QuoteEnd--></td></tr></table><div class='postcolor'><!--QuoteEEnd-->
If you do throw them out, shred/tear up completely/burn them. <!--QuoteEnd--> </td></tr></table><div class='postcolor'> <!--QuoteEEnd-->
ONLY burn them, with patience you can tape things back together, especialy with free money.
Never throw out any financial papers, this includes receits, bank statements and anything else involving the account. <!--QuoteEnd--></td></tr></table><div class='postcolor'><!--QuoteEEnd-->
If you do throw them out, shred/tear up completely/burn them. <!--QuoteEnd--> </td></tr></table><div class='postcolor'> <!--QuoteEEnd-->
mmmmm, buuuuuurn
As long as you've reported it, they shouldn't really charge you anything [above your specified amount in your contract] (...but you are supposed to read those contracts...you know?).
whats in <b>your</b> wallet? Not alot by the looks of things. <!--emo&:D--><img src='http://www.unknownworlds.com/forums/html//emoticons/biggrin.gif' border='0' style='vertical-align:middle' alt='biggrin.gif' /><!--endemo-->
Seriously though, Good luck. Hope you dont have to pay for any of it.
yeah, a tough guy buying 50 top-of-the line phones with a charming lady's name on his credit card... Nothing ever so suspicious <!--emo&:D--><img src='http://www.unknownworlds.com/forums/html//emoticons/biggrin.gif' border='0' style='vertical-align:middle' alt='biggrin.gif' /><!--endemo-->
<!--emo&:p--><img src='http://www.unknownworlds.com/forums/html//emoticons/tounge.gif' border='0' style='vertical-align:middle' alt='tounge.gif' /><!--endemo-->
But for ANYBODY with a credit card/etc, and i mean EVERYBODY, you should follow this advice [given earlier in the thread by others, but just clarifying it here]:
absolutely no receipts, credit card info, papers, etc, go into the bin, on the floor, on the wall, or outside. if youre getting rid of them, or dont need them, BURN THEM to a CRISP. even the most unimportant stuff. stuff you need to keep, file them all, then put them all in a small $30 mini-safe.. not secure at all for valuables, but if someone breaks in your house, at least you can see if your box is missing and then cancel all your credit cards etc.
be careful about where youre putting your credit card - keep it in your wallet, take care of your wallet, think about where youre typing up credit information, if ya gotta put it somewhere keep it shielded from view, and look at where youre putting it.
if you have to give it to a waiter at a restaurant [you know how they take the credit card out back and do their thing], then take a look at who takes it, name, etc.. i cant think of how to actually make sure they dont write down the info, but you can still make yourself as secure as possible - put a strict spending limit on your card, and check your spending habits online as soon as possible, every time its updated. just a quick check that takes 2 minutes, and youll be infinitely more secure, so when you look and theres a $9999 purchase of a plasma TV screen that is en route to a house other than your own, you can ring up quick =] this is also easier for the banks etc, as they can start their investigation much sooner to the crimes
good luck, but remember - YOU are vulnerable, if you have a credit card. dont wait until you get burned to secure yourself
I tear off the parts with sensitive info on and eat them. I'd like to see someone piece <i>that</i> together.
...NANITES!
Hell, I'd just like to see someone TRY.