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Lost Credit card -- lots of charges
Anyone ever been through this?
I'm one of those people with about 6 credit cards but only use one of them and pay it off every month.
So, I lose one of my cards at a strip club -- a card I don't even know why I had with me. I don't notice it is gone.
A month later, I get the statement and it is maxed out to $25k. Shit! So I fill out a notarized affadavit that the charges are fraudulent and send it to them.
They send me a big packet back indicating that they believe the charges were made by me and are not going to remove them from my account, and they except full payment since they are cancelling my card. Their reasoning is that the signatures look like mine and the locations of the charges are near my place of residence. Basically -- an excuse to hold me responsible.
Proving the charges are not mine would be pretty easy in a court of law -- the signatures look like bad amateur forgeries. And I have no intentions of paying.
So, how does this usually end up? Time to get a lawyer?
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