I’m having a hard time dealing with my bank disputing a charge made to my credit card, (which is quite different than my dealings with them in the old days). I’m wondering if I switch banks/cards if I’d have better luck in the future if I have to dispute something. Or are the rules & standards all the same no matter what bank card I get? Is it the bank that resolves disputes, or is it Visa?

Given that the fraud was committed over a 2 to 3 year period?

I don’t have the smarts to work this one out exactly, but my instinct says – no.

Basically, the company who makes the new computer I have purchased – has gone under, I want to return it for repairs, and I obviously cannot, and I did not pay with a credit card, so I’m stuffed.

Here is a link: http://www.bit-tech.net/news/2008/05/09/former-rock-employee-stole-220-000-of-stock/1

So what do you think?

Thanks in advance for your opinion.

I have bad credit from medical bills. I always wanted a "credit card" come to find out someone opened a target card in my name- and charged a couple hundred dollars and now they are after me to pay them. I am wondering and I know this is wierd, but now I am more screwed….Can i try to negotiate with Target to get the card back? I want the target card, i’ll pay the bill. I think paying the 0 is worth it to have the card to actually use. i dont know how long it has been in collections, but when i moved here to my new place about 6 months ago i started to recieve phone calls and letters. Or is it better to just report it as fraud? what will that do to my credit? They said it wasnt an application that someone filled out. It was an offer on a reciept that i threw out offering the card with just a signature or something-which is odd. thanks in advance!

Hello, I have been using godaddy.com for stuff a couple days. I have only purchased 2 items on godaddy.com, which was Hosting plan-1 year for (with 10% off) and domain. I even have the receipt for them. Then one day all my family was at work and at school. I didnt and my parents didnt even use the credit card that day!! Then that day(when I was at school and parents at work), one employee got my credit card(it was employee they found)(even found him). He made 20 purchases on godaddy.com and he charged my credit card for ,000!!! I didnt even purchase it and the cc company said that it was a fraud and all purchases on cc was from godaddy.com!!! Then my daddy, called godaddy and FINALLY they gave me a refund for that ,000. So im safe. My dad canceled godaddy account and all credit cards. Im safe but is there a way I can get revenge for this and what do you think about this?

Thank you.

A few days ago I started getting bills from credit card comp. in my name that I did not apply for.Somebody is using my SSN #.If this happend to you what happed and what did you do about it?

he is opening up a credit card in my name he is a loan officer and some how figured out i checked my credit he changed my mailing address 4 times already and is opening up my mail what do i do i dont have money for a lawyer…he is very good at fraud and has committed fraud on home loans some one told me i should report him b/c he is a felon and shouldnt be a loan officer anyways who do i get ahold of for that also?
he had the job before he got in trouble and is friends with the boss so the boss is letting him still work there

The courts told him that he had to get a lawyer to clean his record
Only problem is his credit is so bad that no bank will touch him with the money or credit card to use
.
He is getting desperate what can he do Legal aid does not exist where he lives In the hills of West Virgina
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Yes he is a mountain family man
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US bank just screwed me over, someone stole my credit card and charged 100 dollars on it that i didn’t have and now im trying to combat the 250$ is overdraft the bank has charged me.Isn’t it messed up the bank robbed me worse than the original thief.Anyway ,can someone recommend a decent bank in Missouri?

Or are the odds just less in such case?

Because Ive noticed things like being "pre-approved" for a credit card, and out of spite Ive filled a couple apps out in the past and got denied (typical).

So im wondering if having "NO credit" is a good thing these days.

okay so i basically need to know what the outcome of this situation will be.

A few basics:
im 18
i live in mass
i have no criminal record
i completed [willingly] a rehab program
the court has a copy of me completing it & that im continued onto a day program
the charges i list i have NOT gone to court for yet

soo i got kicked out of my house 5.02.10 & arrested for: malicious destruction of property over 250, assault, resisting arrest, threat to commit crime, disorderly conduct and disturbing the peace. I go to court 7.16.10. Bc i was on drugs i stole my moms cc. I go to court 8.19.10 for larsony of a cc & 3 counts of improper use under 250. Then i get in the mail, a lett er from a different town that i have court 7.15.10 for recieve stolen credit card, improper use under 250 and identity fraud. Also i got arrested in april for minor in posession of alcohol but i never got a second court date for it.

Whats gonna happen?

I need help please!!

On july 12 2008, I had order3 dresses From amiclubwear.com . a When I first came across there web sight I fell in love with the fashion styles ‘they claim there suppose to have’. I had purchase 3 dresses from there sight . My credit card was already charge before receiving the shipment. A week later I receive a dress of which I didn’t order. I had contact amiclub wwear, they said the original order you places we are out stock and it will take 10 weeks for them to receive it. What kind of B’s is this I said, Please refund my money back I am not waiting 2 more months in a half. I then Had to contact my bank and report fraud. They still haven’t refund my money. charge me for 3 and only send 1 of which I did not select , kept the rest of my money . this company is a fraud they advertise item they don’t have , you then spend your money and then there is no purchase at all. They new they were out of stock they should have notified me by calling or email . they did neither . I was ripped off By AMICLUBWEAR

Ok, so I really wanted my teeth whitened before i had my college interviews. So I begged and begged and BEGGED to get this teeth whitener I saw online. She warned me about internet scams, but I assured her it was all right. Little did I know, the whole thing was a fraud and it’s basically going to take .00 from her account instead of the 4.99 that they advertised and that they steal money too. The only thing is I CANNOT tell my mother. My mom is wildly bipolar and she’s hit me before for doing milder things. I’m really afraid that she’ll find out.

Also, my puppy took the credit card and bit into it and it doesnt work when you swipe it. So would there be any way I could cancel the order or the card or any charges without her knowing? I’m so afraid she’ll find out and just beat me until I’m fully covered in bruises.

Please don’t give answers saying the best thing I should do is tell her and just hope for the best. Please. I need help. Please don’t tell me to call child services or anything either.

Ok, so I really wanted my teeth whitened before i had my college interviews. So I begged and begged and BEGGED to get this teeth whitener I saw online. She warned me about internet scams, but I assured her it was all right. Little did I know, the whole thing was a fraud and it’s basically going to take .00 from her account instead of the 4.99 that they advertised and that they steal money too. The only thing is I CANNOT tell my mother. My mom is wildly bipolar and she’s hit me before for doing milder things. I’m really afraid that she’ll find out.

Also, my puppy took the credit card and bit into it and it doesnt work when you swipe it. So would there be any way I could cancel the order or the card or any charges without her knowing? I’m so afraid she’ll find out and just beat me until I’m fully covered in bruises.

Please don’t give answers saying the best thing I should do is tell her and just hope for the best. Please. I need help. Please don’t tell me to call child services or anything either.

If I use my credit card online and the information is stolen, am I also open to ID theft as a result of the incident??

Recently I have checked my account and noticed that someone withdrew a large amount of money. I have notified my bank already, but still fear that the thief will use my information to apply for things which could charge money such as a credit card. What steps should I take to prevent this? Is there a certain number I should call to notify them of this problem?
Thank you so much for your help.

If you used to have perfect credit but have made some late payments following a move, job loss, deaths in family or health care crisis, erroneous charges or other fraud on accounts, or other life-changing events, is there a credit card offering a good APR introductory rate who isn’t going to consider you "high risk" and take advantage of your current situation to change you from the best rate to the worst? Is there anything where your money does some good like "working assets" that hasn’t been swallowed up by B of A or MBNA? Does a credit score of about 650 mean you should be paying the worst APR rate?

My son who is a JR got a credit card in my name used it and did not pay the bill on time. I am going to pay off the full balance but how do I get all the negative hits to my credit report without getting him into big trouble?

I found out this past week that a large U.S. phone/internet company has been charging my debit card around /month since around October of last year. I have never heard of the company myself. I mainly only use this account for automatic bill-pay and stuff like that, so I assumed it was my insurance company or whatever. This month I really questioned that debit amount, so I called the bank. I was shocked to find out that it was for a Phone/Internet company. I have never heard of them or used them before.

It Gets Better….

I called this Phone/Internet company and the person that is ordering this service lives in the U.K. The customer service agent even told me that’s weird because they aren’t SUPPOSED to give service to someone in a different country than the credit card that they are paying with. This is like double whammy fraud. It was fraud to begin with and now this company allowed it against their policies? So is this company scamming me, or is it this person in the U.K.?

Should I call a lawyer now, or should I first try and get my money back politely? I have already canceled my debit card which leaves me with no money and the inconvenience of all my bills being screwed up for the next 2 weeks.

What is the best action for this case?

Okay so I need to pay for a room at Best Western friday night. I have a check card and checking account through Bank of America but recently I had fraud on my account so I can’t use my account. Would I be able to use a family members credit card to reserve the room online or would i be able to get one of those visa gift cards and do it that way or what? Does anyone know? Thank you in advance for your help!

Ok so Danielle was dating this girl amy. Danielle let amy use her credit cards and had no problem with it. Amy and danielle’s relationship is going downhill now and danielle keeps threatening to sue amy. Danielle is claiming bankruptcy( dunno if that makes a difference) when danielle first met with the lawyer he told her that she couldn’tt claim identity theft even where amy used her email she used danielle’s bank account. Danielle never reported anything to her bank or credit card the credit card total i think is 10 thousand. No itwasn’tt all spent on amy they live together and danielle would send amy shopping lists, danielle took amy on vacation and used the card to pay for everything andAmy’s sister was there to witness also danielle took amy out to dinner with a few ofAmy’s friends who witnessed that danielle said she could use the card. Is this fraud or could amy go to jail for this?

I have a real concern about identity theft and I have no knowledge on how to protect myself from it other than the standard steps for protecting from credit card and bank card. Someone may have gotten (likely) some of my personal information including my SIN # and license #.
Any suggestions?

She has been using my name on all utility bills and used a credit card under my name which has resulted in a Default judgment in my name preventing me to get any type of loans for school and has actually declined some jobs in my name. I didn’t think it would come this far, but this is ridiculous. I want to have my own life own job and everything, and she has taken the stuff away it seems like. Sometimes I hate living now.

My friend gave me her credit card to buy some stuff for her she drinks alot and forgot I had had it. I charged10,0000.the bank wanted to file charges of cc fraud>my friend went down to the bank and signed off on any prosecution papers now her husband has threaten to to have me arrested in two days if I don’t pay in full plus 10 %.i have already paid 5,000.But at this point I don’t have any money.I was just wondering if she signed the papers at the bank can he now go back and prosecute?

My dad has once got a credit card under my name a year ago.Now he is using me saying i still live with him and is getting state aid and signing my name to papers and checks.What should I do?Where to turn to?I am tierd of it.I want actions tooken.Please help.!

My aunt received a letter stating that her credit is in jeopardy because of a high balance on her credit card. The thing is, she has never owned a credit card! What, if anything, can I help her do?