Card fraud - my legal options?

Get credit card fraud help: For victims of credit card fraud and identity theft, and those that can help.
33 posts
JamesMS
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Postby JamesMS » Thu Apr 16, 2015 7:38 am

The fact that someone used it at an ATM, sounds like they had to have the pin to do so. That aspect of it will be hard to dispute, because there are only a few things that come to mind on how someone could get the number.
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whit
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Postby whit » Thu Apr 16, 2015 9:49 am

JamesMS wrote:The fact that someone used it at an ATM, sounds like they had to have the pin to do so. That aspect of it will be hard to dispute, because there are only a few things that come to mind on how someone could get the number.


ATMs only work with pins--even with credit cards, to pull out cash you'd have to have a pin to get anywhere.

JamesMS
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Postby JamesMS » Thu Apr 16, 2015 11:40 am

Yes, I do get that. Obviously the person that used it at an ATM had the pin code. I think that he might have a hard time disputing that aspect of the fraud.
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lobbythis
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Postby lobbythis » Thu Apr 16, 2015 12:16 pm

JamesMS wrote: because there are only a few things that come to mind on how someone could get the number.


Feeling the same...

I think this person is related to the OP, went on a little rampage, and now here we are.

JamesMS
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Postby JamesMS » Thu Apr 16, 2015 12:35 pm

There is a very good chance of this or the person being a close friend that the OP allowed to use the card in the past.
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Champagne
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Postby Champagne » Thu Apr 16, 2015 12:58 pm

JamesMS wrote:There is a very good chance of this or the person being a close friend that the OP allowed to use the card in the past.


I hope that's not the case because only think of one person who would know my pin and that is my sister who is 14, its her birthday month and day but she doesn't know, and she's always home. My card was lost during the day while I was doing errands, that's the last time I remember seeing it and I was by myself.

Netspend already said no to a dispute, they said yes but declined the dispute, which is understandable but extremely confusing and aggravating. I asked for documentation as to why or pictures from ATMs, etc and they just ignored my requests. A supervisor from Netspend said to take them to small claims court and they'll help me get my money back and provide required documentation then...she sounded very novice to be a supervisor so I am not sure if she's even allowed to say that.

amex007
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Postby amex007 » Thu Apr 16, 2015 12:59 pm

lobbythis wrote:Feeling the same...

I think this person is related to the OP, went on a little rampage, and now here we are.


But he's in FL and all the cash pulls were in TX...
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Champagne
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Postby Champagne » Thu Apr 16, 2015 1:01 pm

amex007 wrote:But he's in FL and all the cash pulls were in TX...


No no, they were like 20-30mins from home in FL.

Nobody I know lives in that area.

JamesMS
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Postby JamesMS » Thu Apr 16, 2015 1:06 pm

The only way to get pictures pulled from ATM's would be to have them subpoenaed.
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amex007
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Postby amex007 » Thu Apr 16, 2015 1:09 pm

Would this apply to Netspend? Read this in the recent blog.

"The Fair Credit Billing Act guarantees that you’re responsible for no more than $50 in fraudulent charges before you report your card lost or stolen. However, card networks and issuers generally extended zero-liability protection to cardholders, meaning you wouldn’t even be responsible for $50."
Unless i guess it doesnt apply to debit cards...
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