Lost Credit card -- lots of charges

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  • Jeffery
    Confirmed User
    • Nov 2002
    • 485
    #1

    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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    • HS-Trixxxia
      Confirmed User
      • Mar 2002
      • 2946
      #2
      Edit: Double trouble........ :-)
      Last edited by HS-Trixxxia; 05-27-2004, 11:38 AM.

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        • HS-Trixxxia
          Confirmed User
          • Mar 2002
          • 2946
          #3
          Do you have a copy of the last transaction you did when you were in that strip club - when you left? Did you make a transaction at some other place right after that? (proof that you were no longer there)

          A purchase receipt or ATM receipt?

          Get all your proof or you'll be fucked. Oh and get a lawyer........

          ~~♥~~♥~~♥~~♥~~♥~~♥~~♥~~♥~~
          Patrizia
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          Email: patrizia at MassiveDollars dot com
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            • cluck
              Confirmed User
              • Dec 2002
              • 5248
              #4
              Buy a porn site membership with the info and they'll charge it all back before you can reach them on the phone
              icq 279990726
              www.mcdonalds.com <- great money making opportunity

                Comment

                • Jeffery
                  Confirmed User
                  • Nov 2002
                  • 485
                  #5
                  Originally posted by Trixxxia
                  Do you have a copy of the last transaction you did when you were in that strip club - when you left? Did you make a transaction at some other place right after that? (proof that you were no longer there)

                  A purchase receipt or ATM receipt?

                  Get all your proof or you'll be fucked. Oh and get a lawyer........
                  No transaction I made after the strip club...

                  I am sending them proof that puts me in a different state during some of the charges. I'm betting they won't care though.

                  Sucks.

                  Yea, since most of the charges are Walmart, BP Oil, and Marshalls, they will try there best not to charge them back. I'm betting they can't charge it back like they can to online sites -- and that is why they are going to keep it on me regardless.
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                    • Dusen
                      Confirmed User
                      • Aug 2002
                      • 2251
                      #6
                      Another thing to look at is if you have shopped at these places before with you CC. If you have, it unfortnately works against you.
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                        • hershie
                          Confirmed User
                          • Jun 2002
                          • 4642
                          #7
                          I was in Malaysia a couple of years ago and six months after I returned someone started testing thing s with small transactions and then started going to town on it. I didn't lose it, someone must have used a reader and made a duplicate as the charges were not punched in but were swiped like an actual card so Visa wouldn't flag it as fast.

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                            • smokingdawn
                              Confirmed User
                              • Feb 2004
                              • 2808
                              #8
                              get a lawyer

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                                • Jill_J
                                  Confirmed User
                                  • May 2004
                                  • 3599
                                  #9
                                  sad to here that... too much problems you`ve with this lost

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                                    • Matt 26z
                                      So Fucking Banned
                                      • Apr 2002
                                      • 18481
                                      #10
                                      This is like making an insurance claim on a wrecked Benz you didn't notice for a month. Good luck getting out of this one.

                                      You need security footage showing the criminals making the purchases. Contact the stores immediately. You should have filed a police report right when you got the statement so they could have done this themselves.

                                      Also, what kind of card was it? All of the major cards monitor for suspicious activity. If you never used the card, then why wasn't it red flagged after $25,000 in charges over a short period of time?

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