Lost Credit card -- lots of charges - GoFuckYourself.com

Jeffery · 05-27-2004, 12:31 PM

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?

HS-Trixxxia · 05-27-2004, 12:36 PM

Edit: Double trouble........ :-)

HS-Trixxxia · 05-27-2004, 12:37 PM

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........

cluck · 05-27-2004, 12:39 PM

Buy a porn site membership with the info and they'll charge it all back before you can reach them on the phone

Jeffery · 05-27-2004, 12:48 PM

Quote:

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.

Dusen · 05-27-2004, 12:52 PM

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.

hershie · 05-27-2004, 12:55 PM

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.

smokingdawn · 05-27-2004, 12:58 PM

get a lawyer

Jill_J · 05-27-2004, 01:22 PM

sad to here that... too much problems you`ve with this lost

Matt 26z · 05-27-2004, 01:23 PM

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?

05-27-2004, 12:31 PM	#1
Jeffery Confirmed User Join Date: Nov 2002 Location: Awgtrade Posts: 485	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? __________________ icq: 20427689 AWGTrade - Free C-coded traffic management system

05-27-2004, 12:36 PM	#2
HS-Trixxxia Confirmed User Join Date: Mar 2002 Location: Montreal Canada Posts: 2,946	Edit: Double trouble........ :-) __________________ ~~♥~~♥~~♥~~♥~~♥~~♥~~♥~~♥~~ Patrizia COO - ♥ MassiveDollars Email: patrizia at MassiveDollars dot com ICQ: 465.826.441 Yahoo: trixxxia_me MSN: trixxxia at hotmail dot com Last edited by HS-Trixxxia; 05-27-2004 at 12:38 PM..

05-27-2004, 12:37 PM	#3
HS-Trixxxia Confirmed User Join Date: Mar 2002 Location: Montreal Canada Posts: 2,946	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 COO - ♥ MassiveDollars Email: patrizia at MassiveDollars dot com ICQ: 465.826.441 Yahoo: trixxxia_me MSN: trixxxia at hotmail dot com

05-27-2004, 12:39 PM	#4
cluck Confirmed User Join Date: Dec 2002 Location: New Jersey Posts: 5,248	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

05-27-2004, 12:58 PM	#8
smokingdawn Confirmed User Join Date: Feb 2004 Location: USA Posts: 2,808	get a lawyer __________________ $35 Per FREE CC sign up on CONSOLE FREE video niched tours including cams. $50 Per free instant access join for all new affiliates. Ask me how! DawnG \|at\| adultalchemy.com ICQ: 428-655-109

05-27-2004, 12:52 PM	#6
Dusen Confirmed User Join Date: Aug 2002 Location: East Coast. Posts: 2,251	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.

05-27-2004, 12:55 PM	#7
hershie Confirmed User Join Date: Jun 2002 Posts: 4,642	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.

05-27-2004, 01:22 PM	#9
Jill_J Confirmed User Join Date: May 2004 Posts: 3,599	sad to here that... too much problems you`ve with this lost __________________ Cash Maniacs - around 50 sites, all niches!

05-27-2004, 01:23 PM	#10
Matt 26z So Fucking Banned Industry Role: Join Date: Apr 2002 Location: ¤ª"˜¨๑۩۞۩๑¨˜"ª¤ Posts: 18,481	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?