Someone stole my card from the mail (before I received it), changed the address, and ran up charges. Do I have to pay for the charges? I know some cards will pay for theft, does Old Navy?
2006-10-08 03:58:14 · 11 answers · asked by littleblondemohawk 6 in Society & Culture ➔ Other - Society & Culture
I tried to cancel the card and they won't let me because the addresses don't match and they also will not give me any other info.
2006-10-08 04:51:27 · update #1
Almost all credit cards have a theft/fraud provision that states you will not be responsible for unauthorized charges (there is sometimes a $50.00 responsibility and they waive the rest. You would need to contact them and ask or look at the card literature (assuming that you received it). This happened to me when I got my first Amex card. I had put my mail on hold while out of town. When I returned I had a letter from Amex saying I should have gotten my card by then. I called to let them know and they cancelled the card. I then got a bill for $12,000.00 +. I called Amex and they took care of it. I was so upset that I also called the postmaster general to let them know since I figured it had to be a post office employee. They actually investigated it and came out to question me. The guy was really mean and kept saying, "Come on, I know you did this." as if I stole the card and was trying to avoid charges and then called them to investigate which I had no requirement to do, but only wanted them to know they had a thief in the post office. Anyhow, to make a short story long they finally found out that it was two post office employees and they were prosecuted. Also, I couldn't have done it since I was out of town and the charges had been local. Bottom line, as long as they don't have something proving that they were your charges (video, signature that matches yours, your driver's license verified at time of purchase, etc.) you won't have to pay. Stay on top of it though so that you don't run into credit rating issues (for not paying the bill). Good luck!
2006-10-08 04:09:04 · answer #1 · answered by Anonymous · 1⤊ 0⤋
You are probably responsible for the first $50. You need to call and report it immediately. Get on Old Navy's site for a number, or look at the info you got the day you signed up for the card.
2006-10-08 11:00:03 · answer #2 · answered by bibliophile31 6 · 0⤊ 0⤋
I hope that you have already notified them. If they try to make you pay, notify your State Attorney General. Tell your local police, there may be a ring, and they may catch them by establishing a pattern.
Good luck.
Consider a small post office box, or a locking mail box.
2006-10-08 11:02:55 · answer #3 · answered by Anonymous · 1⤊ 0⤋
Most places have video cameras anymore, make a police report, then call old navy
2006-10-08 10:59:57 · answer #4 · answered by Anonymous · 0⤊ 0⤋
call Old Navy ASAP. Customer Service will help you and refer you onto someone to take it on if needed.
I know Childrens Place will not make you pay(I work for them)
http://www.oldnavy.com/customerService/info.do?cid=3332&mlink=,398094&clink=398094
2006-10-08 11:00:49 · answer #5 · answered by thechinamom 4 · 0⤊ 0⤋
No
just call customer service of stolen card
tell the truth
its their obligation
u need not to pay
2006-10-08 11:00:07 · answer #6 · answered by rav 4 · 1⤊ 0⤋
Don't ask us...call Old Navy's customer service hotline on the back of the card...they'll know
2006-10-08 10:59:53 · answer #7 · answered by Tom 4 · 0⤊ 2⤋
No, call customer service and canel the card immediatly or else they will think its been you who has been using the card.
2006-10-08 11:01:26 · answer #8 · answered by Sarah52791 2 · 0⤊ 0⤋
No..Call the Cops and Cutomer service..Good luck.
2006-10-09 21:01:29 · answer #9 · answered by John G 5 · 0⤊ 0⤋
no, you are not liable, this happened to me with my Target Card...I never got it, and they had charged over 1100 dollars on it....
2006-10-08 11:01:49 · answer #10 · answered by Anonymous · 1⤊ 0⤋