A "friend" made $10,000 in unauthorized charges on my card!

Get credit card fraud help: For victims of credit card fraud and identity theft, and those that can help.
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branchpoint
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Postby branchpoint » Thu May 10, 2012 10:05 pm

I'll do that. Right now both the police and the credit card company (HSBC) are still looking for excuses to avoid responsibility, but I feel empowered now to see it through, however it turns out.


JCarter
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Postby JCarter » Fri May 11, 2012 3:14 am

branchpoint wrote:I'll do that. Right now both the police and the credit card company (HSBC) are still looking for excuses to avoid responsibility, but I feel empowered now to see it through, however it turns out.


I am off til Monday and happy to make a call or two to the right police employee if you would like.

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Postby TheSquirminator » Fri May 11, 2012 3:23 am

branchpoint wrote:I'll do that. Right now both the police and the credit card company (HSBC) are still looking for excuses to avoid responsibility, but I feel empowered now to see it through, however it turns out.


I don't see how this is the responsibility of the police or the credit card company when you gave this person your card details.

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FastSRT8
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Postby FastSRT8 » Fri May 11, 2012 7:33 pm

TheSquirminator wrote:I don't see how this is the responsibility of the police or the credit card company when you gave this person your card details.


I'm not a lawyer BUT I think the issue here is... yes, he did give the information for a ONE TIME use. The fact the other person used it beyond the agreed upon terms is grounds for fraud.
Carpe diem quam minimum credula postero!

branchpoint
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Postby branchpoint » Sun May 13, 2012 6:12 pm

JCarter wrote:I am off til Monday and happy to make a call or two to the right police employee if you would like.


Thank you very much. I intend to speak with the officer on Monday, and if I'm not satisfied I'll send you a private message letting you know what happened and whom to call, as well as a formal description and detailed lists for your reference if you need it.

branchpoint
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Postby branchpoint » Sun May 13, 2012 6:33 pm

TheSquirminator wrote:I don't see how this is the responsibility of the police or the credit card company when you gave this person your card details.

So if you let someone use your car, does that mean they can use it again any time they feel like it? Or your house? Or lend them money? I don't think so. Give me another example where one-time authorization automatically expands to forever. I don't think that idea is at all customary in our society or legal system. This is the responsibility of the police because it's unauthorized fraudulent use of a credit card, which is a crime, and it's at least partly the responsibility of the credit card company and the merchants involved because at no point did they apply even the most elementary security precautions, precautions that used to be routine for all credit card transactions.

branchpoint
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Postby branchpoint » Sun May 13, 2012 6:34 pm

FastSRT8 wrote:I'm not a lawyer BUT I think the issue here is... yes, he did give the information for a ONE TIME use. The fact the other person used it beyond the agreed upon terms is grounds for fraud.

That is certainly the issue.

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FastSRT8
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Postby FastSRT8 » Sun May 13, 2012 7:15 pm

ASK this question to JCarter. He is a lawyer and will know more about this.
Carpe diem quam minimum credula postero!

branchpoint
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Postby branchpoint » Sun May 13, 2012 9:59 pm

FastSRT8 wrote:ASK this question to JCarter. He is a lawyer and will know more about this.


Thanks. He has already noticed these posts and answered my question, and has already helped me a great deal and offered to do more. His answer is that one authorization is only one, period. But I doubt that he or anyone else would recommend testing that, as I am inadvertently doing. It's a lot of trouble.

branchpoint
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Postby branchpoint » Mon May 14, 2012 7:43 pm

I talked again to the police today. They talked to the DA last week, who told them to go ahead with it because a one-time authorization does NOT imply indefinite use, which is exactly what JCarter told me last week. So many thanks to JCarter for helping me keep my sanity in the meantime. Thanks also to the rest of you for your comments. It all helps stop the head trips. I'll keep posting about the progress with this in case anyone's interested in how it works out.



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