January 24, 2011
December 20, 2010
I have a couple of credit card fraud questions?
peacemakerslady asked:
My exhusband applied for and got a credit card about 10 years ago. I was a user on the account but I didn’t fill out the application, I only signed as a user. I did not know that he had used his sons social security number on the application at the time. Now his son is 21 and is threatening to charge me with identity theft because my name is the other name on the account and his dad didn’t pay the bill. How can I protect myself? His dad and I are no longer married. Also is it legal for the credit card company to give him my social security number when he didn’t have it already? Isn’t that illegal for them to do? I mean him and his wife could use it to steal my info for identity theft. Also it concerns me that they have this info because his mother is a drug addict. Can anyone please help me?
Jimmy
My exhusband applied for and got a credit card about 10 years ago. I was a user on the account but I didn’t fill out the application, I only signed as a user. I did not know that he had used his sons social security number on the application at the time. Now his son is 21 and is threatening to charge me with identity theft because my name is the other name on the account and his dad didn’t pay the bill. How can I protect myself? His dad and I are no longer married. Also is it legal for the credit card company to give him my social security number when he didn’t have it already? Isn’t that illegal for them to do? I mean him and his wife could use it to steal my info for identity theft. Also it concerns me that they have this info because his mother is a drug addict. Can anyone please help me?
Jimmy
December 14, 2010
Is it credit card fraud or a simple mistake if I’m charged a different amount at a restaurant?
JOE asked:
I got food to go from a restaurant last week and the bill came to 26 bucks. I paid with my card and signed for it but did not leave a tip. Now, I have noticed on my bank statement that I have been charged for $33. I called the restaurant and they said they’ll pay me back the difference. But should I be worried about any sort of fraud (identity theft, etc)? What worries me is why were they able to charge me for a different amount than what I signed to pay for? Should I contact my bank?
Todd
I got food to go from a restaurant last week and the bill came to 26 bucks. I paid with my card and signed for it but did not leave a tip. Now, I have noticed on my bank statement that I have been charged for $33. I called the restaurant and they said they’ll pay me back the difference. But should I be worried about any sort of fraud (identity theft, etc)? What worries me is why were they able to charge me for a different amount than what I signed to pay for? Should I contact my bank?
Todd
December 4, 2010
I have a question about credit card fraud/identity theft?
monkeytyums asked:
I left my credit card/debit card at a local subway after making a purchase there. I hadnt realized I left there and just thought I misplaced it. Apparently it sat there for a week when the manager decided she was going to send it back to the bank. Well before she could it somehow came up missing. I as of the 5th and 6th have fraudulent charges. A subway employee took my card and used at several different fast food chains totaling 28 dollars and then throwing my card in the garbage. He is 17 years old. My question is what is the exact charge and what is the penalty? The cop handling the case told me its 5 felonies-1 felony for each transaction.
I was asking what felony it was and what was the punishment. Never said I didnt trust the cop.
Tyrone
I left my credit card/debit card at a local subway after making a purchase there. I hadnt realized I left there and just thought I misplaced it. Apparently it sat there for a week when the manager decided she was going to send it back to the bank. Well before she could it somehow came up missing. I as of the 5th and 6th have fraudulent charges. A subway employee took my card and used at several different fast food chains totaling 28 dollars and then throwing my card in the garbage. He is 17 years old. My question is what is the exact charge and what is the penalty? The cop handling the case told me its 5 felonies-1 felony for each transaction.
I was asking what felony it was and what was the punishment. Never said I didnt trust the cop.
Tyrone
September 22, 2010
Protection Against Identity Theft
ID fraud is one of the biggest problems in America today. Every four seconds someone’s identity is stolen. This number is expected to continue to rise each year as identity thieves become more sophisticated. Credit card accounts, cell phone accounts, utility accounts, bank accounts and rent apartments are opened by ID thieves under your name. Average loss is several hundred dollars. ID thieves can steal your social security or credit card numbers, then change your billing address. Then use your information to purchase or rent products or use your personal information to commit criminal acts. They buy cars by taking out auto loans in your name. They call your credit card company and pretend that you want to change the address in your account. The bills get sent to the new address so that you don’t know, there’s a problem until you check your credit report. Worst of all, you often do not know you’re a victim until an year later or until you recieve a call from a collection agency for an account you never opened. Debts rise under your name. You may even receive a phone call from the police about a crime you did not commit file. Once identity theft happens to you, it may take many months and thousands of dollars to restore your credit. It’s crucial to monitor your credit files through a good free credit score program.
Identity thieves will go through your mail or trash, looking for bank and credit card statements, pre-approved credit offers, information and taxes. Identity thieves can steal personal information in your wallet or purse, such as identity cards, credit cards or bank cards. Fill out change-of-address forms to redirect your e-mail. Purchase personal information on unsecured sites. Buy your personal information from a source such as a store employee who acquires your personal information from a credit application or by skimming your credit card when you make a purchase. Someone may sell your personal files in your place of employment.
Realizing that identity thieves steal your personal information and how difficult it is to stop it have led many organizations to get id theft protection services and credit monitoring services for better proactive protection against identity theft, keep your identity safe from criminals. These services will monitor and alert you of fraudulent activities and take steps to freeze your credit if the need arises. There is not much an identity thief can do if your credit card has been blocked and no way a thief can open a line of credit, credit cards, mortgage loans, car loans, etc, or access your credit card information. There are several credit monitoring services in the market. You need one that monitors both your 3 credit reports and 3 credit score as well.
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