Has anyone else been charge by a credit card company something you did not charge.?

Question

We just got a summons..For something we have never heard of,, They say we owed them 5,351.24... we only have two active credit cards and one has a balance and is not them..They say they send notices but thats b.s.. we have never received or heard about this til now..We have good credit own all of cars try to pay cash when ever possible.. have been in our home for close to 10yr. I don't understand..So now I guess we have to go to court..Has anyone else gone through this.. what do you suggest? My husband is the only one that works...We know for a fact these are not our charges.

the credit card company is chase manhattan bank

Answer 1

Dispute the charges to the credit card company. It sounds like you've been a victim of identity theft (someone used your confidential information to open a credit card account.)

The credit card company can trace the purchases and tell you what they are... and if anything was ordered by internet and shipped somewhere, they can find out who it was sent to.

That's how we caught our thief when this happened to us. It was my son's personal care attendant and she'd used my credit card to order herself some things online, but they got her by seeing that it wasn't shipped to me... but to her.... and we called the police and filed a report. The credit card company just removed the charges for us... and I'm assuming once I sent them the report, they went after her for the money.

Answer 2

Call your credit card company.

I had a similar experience when my identity was taken. On more than 1 occasion I have found things on my credit that are not legitimate, from medical visits to purchases form stores. I have noticed that banks will work with you and the credit company to get it straightened out.

What I want to talk about is Debit Cards.
I had a business acct with B of A for years.
I would use the card as a debit requiring my pin. The reason I did that was because I theorized that a direct debit from my account would not overdraft. Well, it did. Over and over and over and over. $30, $30, $30.
So, I called B of A, they told me that they let the charge go through to save me the embarrasement of having my card decline. I said to them, as a debit transaction where I am using my pin to send cash to the store, it should work the same as an ATM. They replied it did not, although logically it does.
The overdraft amount each time was less then a dollar, and I was at a grocery store. I could have put a can of soup back.

CON ARTISTS, they should EXILE the person who made that decision. IT is an SOP of corporate making approved by a board of directors.

HOW MANY AMERICANS DID THEY STEAL FROM?

Answer 3

If it is a large company (citi or chase or capital one) you can call them to talk to their fraud department.

If it is a smaller company you can go to the better business Bureau if they harass you.

If it is an on-line charge they can track where it was sent. If it was a store purchase you can track what it was.

Track down the purchase as best you can and you can prove that it was not yours.

Try your best to separate your emotions from this because you want to look at it from their side... the more upset you are, the harder it is to prove your case. Don't bring up that you can't pay for it because you don't have enough money. Try to get it dealt with or else you can get a low score on your credit rating later on.

Be proactive! Always open and check your statements. Even a 30 cent charge that isn't yours should be reported because it shows abuse.

Answer 4

I've never gone through that myself. However, I suggest you pull a copy of your credit report ASAP. If these charges are on there, then immediately initate a dispute with the credit bureaus (Experian, Equifax or TransUnion). This will be effective immediately so then when you go to court you'll have proof that you are disputing these charges. Also, the credit bureaus can some times get more information from the companies on your behalf. Good luck!

Answer 5

at the same time as BC Alberta and Manitoba do have legislations encompass unauthorized use of a mastercard, maximum Canadians are ruled with suggestions from besides the reality that the cardholder contract says. you need to study your cardholder contract. Many charge playing cards cap your criminal responsibility at $50. you aren't any further answerable for any expenses made when you instructed the cardboard company the cardboard has been misplaced of stolen. different playing cards even if will carry you accountable for all expenses up until eventually you tell them your card is lacking. Your recourse ought to be to bypass after your co-worker for besides the reality that you finally end up paying. If she is unwilling to pay, you could take her to courtroom. i ought to attend to verify what occurs with the expenses. If she is got here upon accountable, it really is sturdy evidence to apply adversarial to her on the trial.

Answer 6

Sounds like identity theft to me. You need to get your credit report and check to see if there is anything else on there that is not yours. You should also contact an attorney to help you sort this out. You can get your credit report free at this site www.annualcreditreport.com

Answer 7

THAT REALLY SUCKS

I have quite a few cards myself, but luckily I have never had any problems

good luck fixing that

Answer 8

It has happen to me a few times, call up your credit card company, that tell them you did not authrized those charges
They help fix it.
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http://www.bestcreditrates.net

Answer 9

you have to report it as identity theft then. call your state's department of consumer affairs.