(Closed) Fradulent charge on debit card, now what?

posted 5 years ago in Legal
Post # 3
Member
9631 posts
Buzzing Beekeeper
  • Wedding: September 2012

@butterfli_beauty:  I would call the police, too. 

I’ve never had this happen to me but I’ve known a lot of people who have had it happen.  Big hugs!  I’m so sorry this happened to you, I hope it gets worked out and you get your money back.

Post # 4
Member
4441 posts
Honey bee
  • Wedding: January 2013 - Harbourfront Grand Hall

@butterfli_beauty:  I’ve had this happen twice and only ever dealt with the bank.  They reversed the funds immediately so it was available to me and dealt with the other company.  As long as I had the money I wouldn’t file a police report, or do you think someone locally or that you know took your information to use it?

Post # 5
Member
286 posts
Helper bee
  • Wedding: June 2013

@butterfli_beauty:  Usually they only have you file a police report if you know who it was that used your card without your permission. If it was just that you # was stolen or used online its kind of pointless because that person will probably never be found. But its good that you caught it right away and there was only one purchase. I have seen some pretty bad cases.

Post # 7
Member
1548 posts
Bumble bee
  • Wedding: November 1999

@butterfli_beauty:  rather than flling out a dispute charge claim, you need to contact the fraud department at the bank – they will be quicker to respond and make sure your card is closed and the charge is reversed. 

Post # 8
Member
4441 posts
Honey bee
  • Wedding: January 2013 - Harbourfront Grand Hall

@butterfli_beauty:  Yeah it happens, FI’s had it happen more times than I have.  We’ve never considered a police report tho.

Worst part IMO is changing your card information on a ton of online sites that I purchase from!

Post # 9
Member
1359 posts
Bumble bee
  • Wedding: October 2012

You could call your local police office’s administrative number and see whether they recommend a police report. It doesn’t hurt to call and ask.

Post # 11
Member
331 posts
Helper bee
  • Wedding: July 2012

Definitely get a new card number!  I had my wallet stolen, and card along with it, and the bank gave me back all of the stolen/used money on the condition that I pressed charges IF they ever found out who it was.

Post # 12
Member
846 posts
Busy bee
  • Wedding: August 2013

this has happened to me twice before, i never filed a police report i just called the bank to have the money refunded and then got a new card number and shredded the old one.

Post # 14
Member
3583 posts
Sugar bee
  • Wedding: August 2012

Police reports help in case there is a federal case against someone or a group who are doing this to a large population. You can probably download the police report form an mail it in. It also helps in case this happens again and your credit history is affected. Just do it (says me and Nike)!

Post # 15
Member
1245 posts
Bumble bee
  • Wedding: November 1999

In my state, the police only get involved if the dollar amount is large (like > $5,000).  I had a fraudulant charge once and I had my card cancelled and a new card with a new number issued to me.

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