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Old 11-06-2006, 09:14 PM   #1
RACER X
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Credit Card # stolen, what to do

my parents just called me, somebody used their discovery card to buy $2000 worth of stuff @ sams or walmart.

discovery called and left a messege, they called the # on the card, and got all the info.

they tried using it again in New York, and it was declined this time.

Disc. couldn't tell them whether or not they would be responsible for the $2000, at this time.

my dad signs his cards, old skool like that. i told him to get new CC's and not sign them anymore

i told them to call all the CC's they have and confirm the latest transactions.

told them to call www.annualcreditreport.com and look for recent inquiries or new applications for credit.

anybody else have any hints?

they have sterling credit and i would hate for them to have to go thru this, this late in their life.

thanks
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Old 11-06-2006, 09:18 PM   #2
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anybody else have any hints?
shoot that piece of
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Old 11-06-2006, 10:03 PM   #3
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I'm not sure that not signing them is the best thing to do. Anyone with half a brain who picks up the card can then sign it themselves and use it. I've heard of some people writing CHECK PHOTO ID on it instead. But how often do you see cashiers even looking at the signature on the card?

Sorry to hear about what happened. I had some unauthorized use on one of my cards recently. Not sure how they even got the number as I used it only a few times. Apparently they tried to purchase like $3k in airfare from some airline in Italy The credit card company canceled the account and reissued the card to me. I didn't have to pay anything.

Legally they can't hold you responsible for the purchases though as long as you inform them within x days (60 days maybe?). They will likely end up canceling the card and issuing new ones. Good idea definitely to check the rest of the accounts and get a copy of the credit history.
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Old 11-07-2006, 12:21 AM   #4
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Legally, the liability is limited. Sometimes $0, ssometimes something minimal like $50. The hard part is the inconvenience - checking the credit report, filing a police report (have them do it right away), and staying vigilant since whoever did it could have preyed on them with other accounts. Sometimes they will lie in wait to throw you off, so make sure ALL of their debit and credit cards are cancelled, and if there is ANY doubt whatsoever, have them go to their bank and close their checking/savings accounts and open new ones so that new account numbers are issued.

I work in Online Banking, and get at least a handful of fraud calls a week. It happens, but the bank has insurance and entire departments of people to handle it.
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Old 11-07-2006, 07:31 PM   #5
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Quote:
Originally Posted by Squeaky
Legally, the liability is limited. Sometimes $0, ssometimes something minimal like $50. The hard part is the inconvenience - checking the credit report, filing a police report (have them do it right away), and staying vigilant since whoever did it could have preyed on them with other accounts. Sometimes they will lie in wait to throw you off, so make sure ALL of their debit and credit cards are cancelled, and if there is ANY doubt whatsoever, have them go to their bank and close their checking/savings accounts and open new ones so that new account numbers are issued.

I work in Online Banking, and get at least a handful of fraud calls a week. It happens, but the bank has insurance and entire departments of people to handle it.
call the SSA social security admistration and red flag their SS#'s if they feel they maybe victims of ID theft or if they see suspicious inquiries on their credit reports....That is suppose to make the creditors go through a more strenuous process of verifiying ID to open new accounts...also get a copy of all their credit reports from all 3 credit Bureaus Trans Union, Experian, and Equifax...because different creditors do not always use the same Bureau ...If any other account numbers have be compromissed close them and reopen with different account numbers!!! If they haven't been compromised or ended up in the hands of the criminals it's not really necessary to change them all unless that makes you feel better a person can not find out you bank account number from your credit card info...and they can not find out CC info from a checking acct..
Filing a police report is good that's even if the cops research the case..some departments just blow these types of cases off unless it is over $5,000.00
If you need or have anymore questions let me know I deal with this everyday for a living I am a Fraud Investigator for Chase Bank!!!
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Old 11-07-2006, 07:44 PM   #6
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I have a fraud alert on my credit cuz some detroit,michiganian stole my id and got a bunch of credit cards with it. The alert is good, just to get mt DishNetwork installed, they did a credit check and to lift the alert I had to answer all kinds of questions.
I think the CC companies should shoulder the liability when they issue a card to someone who has stolen your ID. The companies so deperately want to issue cards and help rack up debt that they don't care who gets them. And then when they finally give one to a thief who has to deal with all the BS? You.
I couldn't even add up the hours I had to spend on the phone with creditors, banks, card companies, fraud investigators and credit bureaus just to get my credit back where it was. And the CC company acts as though it was your fault!
I like the end of Fight Club
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Old 11-07-2006, 07:50 PM   #7
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It should have been part of the CC agreement that they won't be held responsible for charges made fraudulently. Discover is easy enough to work with.
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