Potential Fraud Help

Get credit card fraud help: For victims of credit card fraud and identity theft, and those that can help.
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Potential Fraud Help

Postby JasonC » Thu Jul 11, 2013 5:47 pm

So I am in need of a bit of help. I went on vacation with a friend of mine about 3 months ago. When we went, I put down my credit card for the incidentals on the hotel room.

Without my knowledge, she charged over $6k worth of merchandise on the room (we were staying in Vegas - so that was easy to do). The charges were put on my card because it was the card that we had down for incidentals. Now she refuses to pay me back for the charges.

I have opened a dispute with Mastercard over the charges on 5/22. I have been trying to use the dispute to confront her to pay the bill that she owes, but she isn't making any sort of good faith effort at all to even start paying me back. I even called the hotel and had them send me a credit card authorization form and asked her to move the charges to a credit card of her own and she won't do it.

Are there any other legal courses of action I can take if the credit card dispute doesn't go through? I have also never disputed something with the credit card company before. Do I need a lawyer to do this?

Any help would be appreciated. Have never been in a situation like this and basically all of her charges were over the limit, so it will end up causing me major problems if I can't get this resolved.

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Postby MemberSince99 » Fri Jul 12, 2013 4:16 pm

First thing you should do is dump this "friend". With friends like her, you don't need any enemies.

This is going to get tricky, to be honest, you can dispute it with Mastercard by saying you did not authorize what she charged using the card you paid for the room. If they find in your favor, it's over. If not, you are probably going to need to sue her personally, again on the basis she should not have been given license to charge items on your credit card. It's kind of a gray area, I think if your dispute fails you will need to consult an attorney. I'm not an attorney and can't give you legal advice.

All I can say is this is a good lesson to the rest of us to make sure we cover ourselves so the leeches in life can't bend us over the way she's trying to do to you.

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Postby Sevenfeet » Fri Jul 12, 2013 4:54 pm

I'm thinking you won't have any recourse with Mastercard. Never EVER give someone access to the good faith of your card without limits.

That being said, you may have better luck suing her in small claims court.
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Postby jrv » Fri Jul 12, 2013 5:33 pm

If MasterCard doesn't remove the charges your only recourse may be to file a police report & sue her for theft.
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Postby djrez4 » Fri Jul 12, 2013 6:14 pm

I support you suing the crap out of her.
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Postby JasonC » Mon Jul 15, 2013 2:29 pm

Thanks for the advice. I have definitely dumped this girl as a friend.

I will let everyone know how it goes with Mastercard and what actions i would have to take afterward if it doesn't work out.

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Postby Bksuper » Fri Jul 19, 2013 2:26 am

File the police report now, not later. If the dispute with MC falls through, it will be more plausible as evidence for court.
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Postby Oliver2013 » Thu Aug 01, 2013 1:05 am

File a police report claiming ID theft and name your friend as the thief. Unauthorized charges = id theft. the investigation will pursue and conclude in your favor. Then submit the report along with an FTC affidavit to the credit card company. If they refuse to correct the charges, then notify the credit bureau by dispute that specific account that is being reported as a fraudulent account. Make sure to submit the FTC affidavit and the police report to the CB.

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Postby linuxwilliam » Fri Aug 02, 2013 11:31 pm

This is another reason I don't like credit cards. They seem like just another way we can be exploited. As if the banks don't exploit us enough we have to deal with criminals.

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Postby amyj » Thu Sep 05, 2013 11:58 pm

Wow! Who need friends like that? It’s important to always be on guard when it comes to protecting your credit. One source of information that I’ve used and have found to be very helpful is creditdata. This article offers specific tips and advice for credit protection when you’re traveling or away from home. To deal with your immediate situation I would file a complaint with your credit card company and let them know of the unauthorized use. They may rule in your favor; but if they rule against you, then you may need to seek legal action against your ‘friend.’

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