what are her legal rights?
2007-12-02 04:37:45 · 8 answers · asked by Karen 2 in Business & Finance ➔ Personal Finance
If I'm understanding your question correctly, the PIN# was stolen and then used to make purchases. If it is in fact a PIN based transaction that you have to contact both the Police and Fraud Department at the bank. The bank will most likely you get a police report before taking your claim. The biggest problem with this type of theft is the questioning of HOW someone got your PIN#. If it was signature based meaning NO pin# was involved and the theft occured by forging the name on the card then usually you are only liable for the 1st $50.00 but usually banks cover the entire loss as long as you contacted them immediately. Usually you don'y have to notify the police but if neccessary the bank will.
2007-12-02 07:24:42 · answer #1 · answered by Beautiful Disaster 2 · 2⤊ 0⤋
She is not legally liable for ANY of the debt. She WILL have to file police report for Identity theft. Convincing the creditors she was actually a victim will be a MAJOR hassle, but legally, she is no more liable than if someone stole her checkbook and forged checks.
2007-12-02 15:32:17 · answer #2 · answered by STEVEN F 7 · 1⤊ 0⤋
hi, your friend should call up her card toll free number & tell them immediately this situation so she won't have to pay & then that company will put out an emergency allert on the stolen id # & when the theif tries to use it in the store it will be allerted & the id will be comfascated & that thief will go to jail. also she won't have to pay for anything if this is a charge card. if it's a ssi # then the ssi will handle it also so they should be told right away. i had this done to me with my ssi# & that person got deported when they caught up with her. but it happened again & again she got deported so tell your friend to contact the police & then do what ever they say. bb, nobrethequeen p.s. she has rights but if she waits to long then it will be harder for her to catch the person.
2007-12-02 12:45:37 · answer #3 · answered by nobrethequeen 5 · 1⤊ 0⤋
Before doing anything she needs to contact the fraud department of her bank and have the account closed before anything further is stolen.
I would suggest speaking with the bank--some bank's offer protection and will reimburse you, while other's won't.
2007-12-02 12:41:19 · answer #4 · answered by FaZizzle 7 · 1⤊ 0⤋
It's a crime. If you know who did it, turn them in to the police.
Debit cards are not credit cards and do not always come with the same protections. Look carefully through the agreement that came with the card to see if there are any protections against fraud.
2007-12-02 12:41:11 · answer #5 · answered by Dan H 7 · 1⤊ 0⤋
your friend does have rights because it was stolen she should report it and tell her story to the police. that person also would of had to sign a peice of paper for the purchase so they would see that it wasnt your friend
2007-12-02 12:43:53 · answer #6 · answered by Anonymous · 1⤊ 0⤋
this is something that her bank should cover. most banks reimburse for situations like this. she needs to call and find out.
2007-12-02 12:40:38 · answer #7 · answered by Anonymous · 1⤊ 0⤋
call the bank and find out
2007-12-02 12:41:33 · answer #8 · answered by emster 2 · 1⤊ 0⤋