credit card fraud - Chicagoland Sportbikes
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post #1 of 20 (permalink) Old 04-01-2004, 04:12 PM Thread Starter
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credit card fraud

Well, it finally happend to me. I get my statement, and the balance was a little high, pushing me over the limit. I haven't used the card in a long time, and I had transfered some of the balance to a different card a few months back. Well, I looked at the statement summary online, and sure enough, there was a transaction at a franchised Aaron Furniture Rental in San Fernando CA. First of all, I have furniture, why would I need more? And second, why would I go all the way to CA to rent it?? Well, I called the credit card co up right away and told them the situation, and they are sending me out a dispute form. (I recall doing this one other time, and it was a PAIN IN THE ASS) But anyway, I decided to take the investigative road. I called the very store where the transaction was placed. Well, the guy said, "I'm sorry to hear about that, but I don't really have time to go in the back and pull receipts from January. It's the first of the month you know." I said, "yeah, it sure is", and hung up. What a douche. Anyway... That's my rant, and that's all I know at this time. I'll keep you posted on what happens. But this guy kept reasuring me that there is no way that they could have commited fraud at that store. They require proper ID and signature and everything! I said, ok... what about internet or phone orders. He told me that they don't accept them and in store was the only way... OK, well, we'll see.

<-------- Jeff


Hey baby! You ever been on the back of an expensive sportbike??


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post #2 of 20 (permalink) Old 04-01-2004, 04:23 PM
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sounds like bullshit!



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post #3 of 20 (permalink) Old 04-01-2004, 04:35 PM Thread Starter
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Oh yeah... forgot to mention. They guy asked how to spell my last name. When I told him, he asked me if I knew anyone named Lisa. Before I could answer, he said, "well, I don't know what to tell you"... Hmm...

<-------- Jeff


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post #4 of 20 (permalink) Old 04-01-2004, 04:41 PM
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Fuck!

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post #5 of 20 (permalink) Old 04-01-2004, 05:33 PM
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Thats crap..about 4 - 5 years ago get this call from Cabellas to verify that I want this picture shipped to my Las Vegas address.. (Lucky thing this operator was on the ball) I told her I didn't know what she was talking about and she called the cops.. They had a Policeman dressed in a ups uniform deliver the picture and busted the guy...
They told me they may have to fly me out for court, but I never heard anything more from them....

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post #6 of 20 (permalink) Old 04-01-2004, 05:38 PM Thread Starter
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Well, on the other hand... I used a different card in Jamaica to get some souveniers and what not. When I got back, there was a letter in my mailbox about how my account had been revoked until I could reach them to verify some unusual account activity. I thought that was pretty damn cool!

<-------- Jeff


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post #7 of 20 (permalink) Old 04-01-2004, 05:54 PM
 
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i dont trust anyone anymore when it comes to money - a family member (uncle) of mine found my school loan statement and the account # is your SSN. I didnt realize I had a $1000+ statement until my sister kept insisting i have a credit card statement in the mail. The only charges I could press was identity theft. These laws need to be change with the amount of theft out there especially with the WWW and how information is attainable so easily...

sad thing is my grandma paid for the credit card bill for my uncle

good luck man hopefully they will catch the guy
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post #8 of 20 (permalink) Old 04-01-2004, 06:37 PM
 
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My company has shut down my account several times for unusual activity and called me to verify it. I just told them that I go on mini shopping sprees that look like somebody stole my card... and thanked them for the call.
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post #9 of 20 (permalink) Old 04-01-2004, 06:57 PM
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identity fraud sucks


I have been hit several times the first was for 7000 in cleaning supplies- go figure the next time a person used my address for her student loans and credit cards and we get statements every couple of months what is worse is that we got calls from the collection agencies too!!!!
what a bunch of shit anyway make the card company eat it protest based on furniture rental is local delivery not cross country
and one other tip if you leave the country let your card company know first so they dont shut you off.
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post #10 of 20 (permalink) Old 04-01-2004, 07:56 PM
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I've been a victim of CC fraud myself.. it really sucks.. fortunately my CC company covered the 1500 dollar watch some guy bought with my card and because of this incident I cancelled all my other cards except for 2. I also ordered a copy of my credit report online from equifax.com and made sure nothing else was open under my name.
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post #11 of 20 (permalink) Old 04-02-2004, 11:07 AM
 
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Someone ran up $700 in charges on my credit card and my credit card company thought it was suspicous and called me. They shut down my account, disputed the charges, and then issued me a new card right over the phone. It was very easy.
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post #12 of 20 (permalink) Old 04-05-2004, 04:44 PM Thread Starter
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Well, update... Apparently, the furniture wasn't enough. Whoever has my card number bought some stuff from Dell. So, they told me I could cut up my card and a new one would be issued right away. It will just take some time, but I'm sure it will all be taken care of. It's a pretty rupitable(sp) bank.

<-------- Jeff


Hey baby! You ever been on the back of an expensive sportbike??


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post #13 of 20 (permalink) Old 04-05-2004, 04:54 PM
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Just keep an eye on your credit reports

Trans Union

Equifax and

Experian

Those are the three main ones.

Since you are a victum of fraud, by law, they must give you a free one of each every 6 months
post #14 of 20 (permalink) Old 04-05-2004, 04:55 PM
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Oh, by the way, each one of the credit companies that I listed above will give different inquiries on you. Thats why its good to get all 3 and not just one
post #15 of 20 (permalink) Old 04-05-2004, 05:08 PM
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what nobody suggested yet, is go to the police station and make a police report about it, call any of the 3 companies above and tell them u are an identity theft victim, and they will contact the other 2 and tell them that u are a identity theft victimand make them mark it in your file, so everytime anybody wants to access your credit file they have to call you first, cause you never know if this card was the only thing they used, or if they opened up few more credit cards on your name,also check out this site http://www.consumer.gov/idtheft/

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Last edited by BlueSv; 04-05-2004 at 05:11 PM.
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post #16 of 20 (permalink) Old 04-05-2004, 05:09 PM
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I had this same shit happen to me, and I can't tell you how much time, money and aggravation it's cost me. It happened two years ago and it will never go away.

The most recent incident? I lost my cell phone and had to get a new one. I needed a phone NOW, and I went to the mall and I tried several different cell companies, only to find that apparently, "I" had overdue bills with them that had gone to collection (hadn't reached my credit report yet). I COULD NOT GET A CELL PHONE!

So now I have to have everything in my brother's name...otherwise, it takes me months to get anything.

You know all those incentive/discount offers out there if you sign up for immediate credit? I can't have them.

Oh yeah, and I got turned down for a lower interest loan on my bike because of my credit report...I have really good credit otherwise -- no cc debt and no lates on anything...But it takes me a month to get financed for anything cuz I gotta clear my record every time first.
post #17 of 20 (permalink) Old 04-05-2004, 05:12 PM
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Step 1: Police Report

Step 2: Call all 3 credit companies and get your reports

Step 3: Monitor your credit reports

Step 4: Put fraud alerts up on everything. (Bank Accounts, Credit cards, credit companies)

Step 5: Make sure your social is not on your DL.

Step 6: Make copies of everything in your wallet incase you lose it.

Anything else?
post #18 of 20 (permalink) Old 04-05-2004, 05:20 PM
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well summed up grasshopper,

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post #19 of 20 (permalink) Old 04-05-2004, 05:41 PM Thread Starter
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So, just use the police department in the town that I live in?? Or which one?

<-------- Jeff


Hey baby! You ever been on the back of an expensive sportbike??


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post #20 of 20 (permalink) Old 04-06-2004, 01:10 AM
 
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I've had both of my credit cards used fraudulently and believe it or not, my actual bank account. Someone was charging their AOL account directly to my bank account.


And the best part is..AOL would not give me their (technically my) user name or email address. I love how companies protect thieves.


My first credit card that was fraudulently was kind of funny. Some ass clown bought a website, a $600 web design development program, and he bought a bunch of memberships to asian porn sites.

Once again...when I called Networksolutions (the registrar he used) they would not release the domain name (even though technically it was mine) or any of the other information.


And when I followed up a month later to see if they caught the guy, my bank told me straight out honestly, "the amount charged isn't enough for us to pursue"

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