- Green Member
- Posts: 14
- Joined: Wed Jun 06, 2012 4:47 am
- Location: Alaska
If you get yourself a police report of the fraud charges that were made to your account, you can submit that to Capital One. You need to make sure that you talk to the fraud department through any of your credit cards if there are unauthorized charges. You can easily do that online now which makes thing easy. Since the 60 days has passed, I feel you need a police report. Identity theft goes back 5 years less or more depending on your state. When you submit that police report, they must remove those charges off your bill and you must pay that 900 dollars. You should of reported the fraud to their fraud department. You will have to pay for the balance in full if Capital One doesn't accept your police report (Which I think they require to).
For the rule of thumb. If you see unauthorized charges, you want to immediately call up capital one to cancel the card and issue new one then file your disputes.