a friend agreed to pay my credit card bill in exchange for letting them make a purchase. They used a fradulent check account and charged more than $5k.
After speaking with the bank, I disputed the charges. It was turned over to fraud services and the culprit later agreed to pay the merchant directly so I didn't give their name to the bank.
I finally told fraud dept that I knew the culprit and that they would pay the merchant directly.Turns out the merchant and the culprit are friends and he is fighting the chargeback. He says that he has not been paid but I later found out that the merchant issued a check to the culprit for difference in what was charged to my account and what was purchased (more than $3k).
The culprit has a long criminal record and is facing charges in 3 states and is on the run now.
The bank is calling the cops and says that I have to file a police report, but am I in troubIe? I have texts and audio where he admitted to doing this but I gave him the info.
2006-11-13 11:55:03 · 6 answers · asked by Anonymous in Politics & Government ➔ Law Enforcement & Police
You are not in trouble as long as you have not benefited from it financially. You absolutely need to file a police report, because you will need it in case if your credit report will get damaged and you will have to dispute it with credit agencies/
2006-11-13 12:09:41 · answer #1 · answered by OC 7 · 0⤊ 0⤋
No you won't be in trouble. You are also a victim in all of this and it sounds as though the bank is aware of it.
You have been cooperative, and have shown no intent to defraud.
However you do need to file a police report so that your former friend can be charged with a crime.
Give the police COPIES of the texts and audio, but keep the originals to protect yourself.
You learned a very hard lesson. Best of luck to you.
2006-11-13 20:47:43 · answer #2 · answered by Anonymous · 0⤊ 0⤋
With friends like this you don't need enemies, huh?
Anyway it does not sound like you'd be liable for his scam at all. Do what's right though and file a police report so they and the CC company have a better chance to find this guy.
Make the world a little safer, TAKE HIM DOWN!
2006-11-13 20:13:01 · answer #3 · answered by upside down 4 · 0⤊ 0⤋
no matter what, its his problem . you're not at fault beyond letting someone use your card.
jsut file the police report since you know who the guy is and that he is friends with the merchant. your credit card company will want that for their investigation as well. that would also put that merchant into trouble, and could get ther creditcard acceptance vendor licensing revoked.
2006-11-13 20:00:09 · answer #4 · answered by wicked_wahine 2 · 0⤊ 0⤋
No...it was a stupid thing to do, yes...but you're not going to be in any trouble. File a report and get this guys' *** busted.
2006-11-13 20:15:16 · answer #5 · answered by too funny 3 · 0⤊ 0⤋
You need to let the fraud department know everything you told us. I am not sure you're liable, but he had permission to take your card...
2006-11-13 20:03:19 · answer #6 · answered by Anonymous · 0⤊ 0⤋