I never thought this would happen to me!!!!?

Question

I got a phone call today from my credit card company verifying some charges.....they weren't mine!!! I feel so awful. Like someone out there knows my information. How in the world did this happen to me? I know fraud charges happen everyday, but what do I do from here? Obviously, I cancelled the card and I'm getting a whole new account number, but just knowing that someone out there could possibly know more than just my credit card number makes me cringe. I want to have this investigated by the police. Would you want to know who did this to you?????

Answer 1

It is extremely unlikely that you'll get a police agency to investigate, unless your case is found to be a part of a much larger, organized system of frauds.

Your credit card number can be compromised in any number of ways...

Somone could have stolen your mail (inbound or outbound), a waiter at a restaurant could have copied down the number when ringing you up, someone could have found a non-compliant receipt (receipts today are supposed to mask all but a few of your account numbers), someone could have looked over your shoulder when you were paying for something at a store, a website you bought from could have been hacked, a brick-and-mortar merchant you shop at could have been storing credit card numbers in their point-of-sale device (again, not compliant, but it happens a LOT)...there are a million ways that this could have happened.

What you should do...

1) Visit annualcreditreport.com, and pull one of your credit reports. This is a federally mandated site; you are entitled to a free pull of each of your three credit reports annually. Be sure to only pull one (See below)

2) If you see any accounts that you did not open or authorize, immediately contact the creditor and place a fraud block on your credit at all three bureaus.

2A) if you want to be extra conservative, you can place the fraud block even if you don't see an account, but be aware that you will be unable to get new credit (credit cards, HELOC, mortgage, car loan, etc) until the block is removed

3) Pull another one of your reports in 3 months, again looking for new, unrecognized accounts.

Answer 2

Never trust anyone when they call you and say they are your credit company.You should tell the person I can't talk right now.And then you call the number off of the back of your card and then you discuss the matter.Never trust that the person calling is actually working for the card company.

Have you signed up for any free trail offers on line sometimes if you forget to cancel they will charge your card.

If they are department store card go to the police and request to see the videos for when and at what register your card was signed for and also look at the signature.Is it yours.

Check all of your accounts and be sure that they are not effected.Keep your eyes open for future charges.If you have on-line banking take advantage.Look at it daily even if you haven't made an activity on it.

Is there anyone in your home that may have used your cards,such as your spouse,teenage children,anyone whom may have a grudge.

most of all pray.best of luck

Answer 3

I bought 1 disc from video pro, later they charged my card $70 extra for a tip, so I know what your going through. My card co. sent me some paperwork, but I wont sign any wrong phrases so I had to pay a wrongful bill and I did'nt even get the disc.

Answer 4

You sure it was your credit card company calling?

Answer 5

I think you should call the police and pray that they will find him. And make sure nobody can find out what your personal info and dont answer to pop up adds.

Answer 6

YES