i looked at my credit card bill and a guy from India bought something for a lot of money. what should i do?
2006-10-17 10:04:18 · 8 answers · asked by pd 2 in Business & Finance ➔ Credit
Immediately call your credit card company to cancel the card/number. It's called Hot carding it. Then put in a dispute for the charges. Usually that has to be done in writing. But all the information should be on your credit card company's website. If not, ask the customer service representative.
2006-10-17 10:07:00 · answer #1 · answered by Angela C 2 · 0⤊ 0⤋
Yes, everyone is correct. Fight the charge! Call your credit card company, and file a fraudulent charge immediately!
If You Suspect Fraud
If you suspect someone has illegally used your account number you must contact the card issuer no later than 60 days after the first bill on which the charge appeared is sent. Follow a telephone call to the issuer with a letter. Be sure to retain a copy of the letter for your files.
Include the following information in your call and letter:
Your name;
Your account number;
The dollar amount of the suspect charge;
A description of the charge; and
An explanation of why you believe there is an error.
While the disputed charge is being researched you are not required to pay any of the amount in question. However, you are obligated to pay the balance that is not in question.
For more information about your credit rights, contact the Attorney General's Consumer Protection Unit at 334-2424 or toll-free in Idaho at 1-800-432-3545 for these free publications: Choosing and Using Your First Credit Card and Know Your Rights as a Credit or ATM Card Holder.
2006-10-17 10:15:01 · answer #2 · answered by bebe 2 · 0⤊ 0⤋
What To Do About Suspected Fraud or Billing Problems
If you suspect that someone has illegally used your account number, send the card issuer a letter that includes your name, account number(s), and the charges that you question with your reasons. You must direct your letter to the "billing error address" provided on your statement, and it must reach the creditor within 60 days after the first bill containing the error was mailed to you. If you send your letter by certified mail, with a return receipt requested, you will have proof that the letter was received.
If you decide to call the card issuer for faster action, use the special numbers that many card issuers list on their billing statements, but follow up your phone call with a letter. Only a letter protects your rights under the Fair Credit Billing Act.
The card issuer must acknowledge receipt of your letter or correct the error within 30 days. Or, they must investigate and either correct the mistake or justify the charges within two billing cycles or 90 days, whichever is less. You may be asked to sign a statement under oath that you did not make the purchase(s) in question.
For more information about your credit rights, contact your Legal Assistance Office or the Federal Trade Commission. You can write to the Federal Trade Commission, Washington, DC 20580 for these free publications: Credit Billing Blues; Credit Billing; and Fair Credit Reporting.
2006-10-17 10:13:15 · answer #3 · answered by txgirl_2_98 3 · 0⤊ 0⤋
Report it to your bank, get a new card, call the company they bought the stuff from, and tell them that it is a fraudulent charge, and mostly they will credit you. I had my ID stolen 2x and got almost all of it back.
Upgrade your computer security, all the lastest patches, and Norton Internet Security.
I have a separate account for internet purchases.
I use the Firefox Browser, as it is pretty secure.
2006-10-17 10:17:35 · answer #4 · answered by Anonymous · 0⤊ 0⤋
First thing is to call & tell the credit card Company.
they will connect you to their fraud dept.
They will stop your card # from further use and issue a new #.
They will ask for the card back to see if you still have it.
They will ask you to sign papers stating the charges arent yours.
After you sign they will issue a temporary dispute credit
If really not yours most companies will not hold you responsible for fraud.
They will investigate (for about 2 months) themselves to decide if they believe you. If they agree with you the temporary credit will remain permanent
2006-10-17 10:15:45 · answer #5 · answered by goldenboyblue 3 · 0⤊ 1⤋
Call your credit company NOW! Tell them you never made the charge in question. Stop using the card. Ask for a NEW MUNBER as well. And pray you did this in time! Otherwise OUCH!
2006-10-17 10:10:24 · answer #6 · answered by zipper 7 · 0⤊ 0⤋
you must report your card stolen to the credit card company immediatley! they will cancel out that account so no one can use it and set up another account with you
2006-10-17 10:14:27 · answer #7 · answered by zenasrager 3 · 0⤊ 0⤋
their going shopping on u ......
2006-10-17 10:11:56 · answer #8 · answered by curious 2 · 0⤊ 0⤋