(Closed) I had my credit card information stolen, I lost $1000 D=

posted 7 years ago in Legal
Post # 4
1137 posts
Bumble bee
  • Wedding: September 2011

I’ve been there three times so far – with smaller charges ($100), and larger charges ($5000+). I ended up spending 2 months waiting for the charges to be reversed and everything to be cleared up with my credit card – it was a mess, and I had to request interest fees back, since I refused to pay for the amount I didn’t spend.

It all depends on the bank, your spending habits, and your limits. Some people set it so any charge over xyz is notified to them. You can also purchase online overseas, so you don’t even have to leave the US to do it.

If your purchasing online, use a virtual card number (most cards offer this, it’s a one time number you get from their website).

Post # 5
981 posts
Busy bee
  • Wedding: June 2012

I don’t know but I am sure you will get your money back! This happened to me recently but the fraud department didn’t let the charges through (but they did freeze my card – I couldn’t buy hummus at my office convenience store). It’s pretty crazy. Sorry girl, its just extra stress that no one needs.

Post # 6
10367 posts
Sugar Beekeeper
  • Wedding: September 2010


You know, it really irritates me that I travel a lot – and I warn my credit card every single time with detailed itineraries about where i’m going – and it usually STILL gets shut off due to “suspicious activity” but stuff like what happened to you is allowed!! That’s crazy!!

Post # 7
5668 posts
Bee Keeper

Aww, this sucks. My friend recently had this happen to him, but the culprits were in Russia. Not too long ago my uncle’s card information was stolen from an ATM. They had installed a skimmer and a camera and were sending all of this information to Romania. They drained his entire bank account. In both cases, my uncle and my friend, it took a couple of months to sort everything out and get the money back.

I would call the shop and explain the situation. They may let you leave it there for a little while longer than they usually would. Do you have an emergency fund/credit card that you could tap into to get the car back? Or any family that would be willing to loan it to you? I’m so sorry you’re having to deal with this. 🙁

Post # 10
10288 posts
Sugar Beekeeper
  • Wedding: October 2011

I had the same thing happen to me a few months ago. Someone in Germany got my card information and made 5 or 6 purchases. Luckily for me the purchases were all in the $5-$40 range but it was still a colossal pain in the ass and I felt totally violated. I ended up getting every cent back, though it did take a few days.

I called my bank and they cancelled the card right then and there and sent me out a new one the same day. I ended up getting a few papers in the mail to sign but by the time the papers came, the credit was already back in my account. It was a major headache and something that I hope never happens again but it could have been much worse. My cousin had thousands of dollars worth of fraudulent charges hit her account a few weeks before Christmas! She didn’t see any of that money back until well after the New Year. Needless to say, it wasn’t a merry Christmas for her family. 

Post # 11
658 posts
Busy bee
  • Wedding: April 2012

@HappilyEverAfter54:I am so sorry this happened to you. This has happened to Fiance and I twice since last November. I also questioned how the bank didn’t notice someting strange was going on. We had $3800 stolen the first time, and $4500 the second time. Thankfully the bank worked quickly and replaced most of the money within 72 hours. I hope your bank works quickly and you get all your money back. The worst part for me when this happened was not being aable to figure out who did this. They just got away with it. 

Post # 12
2701 posts
Sugar bee

@HappilyEverAfter54: This has never happened to me before. When my money was stolen, it was from the bank itself, not a person. I really hope they recover your money quickly so you’re life can go back to normal ASAP.

Post # 13
772 posts
Busy bee
  • Wedding: December 2011

This kept happening to my friend’s business with forged checks.  The bank would refund the money, but their loss prevention program didn’t think it was worth going after the guy (who stupidly had used the check he was paid with, so the company knew his name and address) because it wasn’t over the dollar limit they used to determine that.  The cops wouldn’t take a police report from my friend unless he didn’t report it to the bank first.  It was totally insane and they had to completely close and reopen their business account which was a major pain.

Post # 14
5921 posts
Bee Keeper
  • Wedding: December 2010

@crayfish: This happens to my husband all the time since he travels for work every March-September.  At least twice he has had to find a Capital One building and show them forms of ID, etc.  It is frustrating, but I guess we should be thankful they are paying attention.

Post # 15
994 posts
Busy bee
  • Wedding: September 2011

@crayfish: me too!!! You are damned if you do and damned if you don’t!

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