(Closed) yay, the fraud department called me! someone screwed me over!

posted 9 years ago in Emotional
Post # 17
7367 posts
Busy Beekeeper

I suggest you file a police report, put a fraud alert with the 3 credit card bueraus and get your reports just in case.

Post # 18
11324 posts
Sugar Beekeeper
  • Wedding: February 2011

@JenniMichele I believe the law (don’t quote me on this) varies depending on what type of fraud it is. For example– if someone steals one of your checks and signs it– you are not liable. If someone steals a credit card and uses it– you are not liable. But as for debit cards I don’t believe the banks HAVE to refund the money, although a lot do. 

Post # 19
6659 posts
Bee Keeper
  • Wedding: May 2010

Years ago back when I was irrisponsible and not checking my accounts frequently, someone stole my checking account and bank routing numbers and had an automatic payment set up to an online porn sight. It was a small amount every month, like under $30 so I didn’t even notice it. I used my debit card for everything back then, so there were hundreds of charges a month and I only would have noticed something big. It took me sadly I think about 5 or 6 months to finally notice, I called the 1-800 number listed on my account and when they said they were a porn sight immediatley I knew it was fraud. So I went to my bank and they did actually refund a portion of the money, but only had to reimburse me for like 90 days worth of it according to FDIC rules. If they had been stealing from my credit card, I think #1 the CC company would have noticed it right away and #2 they would have maybe reimbursed more.

Post # 20
15 posts
  • Wedding: December 2012

Our photographers screwed us-we had a contract and everything!!  So we’re working with the credit card company to try and get our deposit back!


Good luck!

Post # 21
562 posts
Busy bee
  • Wedding: February 2011

I’m so sorry! That really scares me, I don’t know if my card has fraud protection or not!

Post # 22
1488 posts
Bumble bee
  • Wedding: March 2012

Ugh! This happened to me once too. Someone in South Carolina charged over $800 to my debit card in a scuba store like 20 minutes before I tried to buy groceries at Target and my card was denied 🙁 Not only was it super embarrassing because I’m there allll the time, but it took FOREVER for me to get my money back. ugh

ETA: totally off topic, but when I hit submit I glanced at the tags and somehow “scammed” and “debt” got merged together in my head and became “dammit” which I still think is appropriate 🙂 lol

Post # 24
786 posts
Busy bee
  • Wedding: August 2012

Yeah I had the same thing except with my credit card..  The bad guys somehow skimmed it and made a duplicate card and decided to spend $1000 of my money when the bank caught it.  Everything was refunded to me though, had to get a new card and such..  It was pretty quick.  Just felt like an invasion of privacy though..  And makes me shake my head that the stores didn’t bother to check ID?  They never caught the person though..

Post # 25
645 posts
Busy bee
  • Wedding: October 2011

I agree with some of the PPs.. Make sure your internet connection (ie router!) is secure. There are lots of programs that can get in and steal numbers that way.. It isn’t necessarily the website! Also, your card number could have been stolen from another vendor earlier…

Many credit cards have a “shop safe” card number where you can go online and create a card number JUST for the transaction (you set its limit.) Its actually really easy. I’ve done it every time I use an online site that doesn’t have a huge name/storefront.

Post # 26
389 posts
Helper bee
  • Wedding: July 2011

That happened to me last week.  Someone in New York tried to charge about $400 for some sort of transit pass or something.  Thankfully the transaction was declined because the charges were made in a completely different state.  Fiance had the same thing happened a couple of months ago.  I think it’s time for us to stop buying stuff online!!

Post # 27
3048 posts
Sugar bee
  • Wedding: January 1991

Ugh, that is so annoying and frustrating! That happened to me about two years ago… I had no cash, so I made them re-open my card as I talked to them at an ATM. I got cash out and they immediately closed it afterwards. This also happened to my roommate a month ago. People are so ridiculous and mean-hearted these days. The sad thing is, I work with people who have mutiple account of felony fraud at the probation office. I should talk to them and ask them why they did it… but I already know why.

Post # 28
1137 posts
Bumble bee
  • Wedding: September 2011

Be thankful it was only $250. I had my debit card info stolen years ago for a similar amount, but had to fight my bank on it. They tried to tell me I made the purchases (yet the website didn’t even exist), and all sorts of other things. Needless to say, I got a letter a few weeks later (postmarked from the time I got my info stolen) about a leak. Go figure.

Since then, I managed to get my MC credit card taken in January this year – about 3-4k worth of charges. Thankfully they were easy to work with, but it took 2 months to solve. Then, as soon as it’s finished, my other CC gets taken (only around $100, a flower company bill, for flowers I never ordered). Talk about crap!

If you order online, look at using one time use numbers – most companies offer them. I use PayPal for a lot of things now as well, as I have money in there from sales, but it also leaves one spot that has my CC info. I am pretty certain that both CC’s were from leaks, but companies will not fess up (both Fiance and I have had probably 4-5 cards with the one company over a few years).

Hope it all works out!

Post # 29
18628 posts
Honey Beekeeper
  • Wedding: June 2009

I’m sure that you will get the money back.  A few years ago, someone went out and used a bunch of my cards on Thanksgiving.  The worst was them taking $600 out of my checking.  It took about a month to get the money back into my account but they did it

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