Was given authorized use of card, now I'm being blackmailed

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Was given authorized use of card, now I'm being blackmailed

Postby dwiddle » Wed Nov 13, 2013 9:31 am

this lady i know was on the phone with me and offered for me to use her credit card to make a 20.00 purchase. she waited two days and called me saying her card was over charged. although i had proof that it was not - she still claimed otherwise. then she waited another day and stated 2 more charges appeared on her card of 49.99 twice - she did not show any proof of her claim to me.

she waited a few days later and stated her card had been over charged 60.00 the last time and now says unless i pay her 180.00 - she is going to sue me for credit card identity theft. i did not steal her card - she allowed its usage by giving me the numbers over the phone nor was the purchase made under a false name. i do not live in the same state she does.

what steps do i need to take because i think she is trying to blackmail me into paying debts she owes.

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Postby DoingHomework » Wed Nov 13, 2013 11:50 am

Are you a merchant? Did you process her card on a virtual terminal or something? If so then you should be prepared to show that you comply with the data security requirements of your merchant services provider. Your first call should be to them to get advise on how to proceed.

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Postby Sevenfeet » Wed Nov 13, 2013 4:21 pm

She's extorting you, which is laughable since she's the one legally liable for purchases on the card, not you. This has been talked about with other situations on this board, mostly with someone giving their card access to a friend and they did charge a whole bunch of stuff they never said they'd do. In the end, you are responsible for the use of your card. And if your card was used by someone you know, then the card company won't go after you, just her. And if she did sue you, it's just a small claims court appearance, in which the judge would find in your favor based on how the credit card laws are written.

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Postby tvirk888 » Wed Nov 13, 2013 11:34 pm

You can get your detail report for those particular days from customer service. Then you can get a fax ordered of all the cards that were charged that day including the amount. You can also tell customer service the last 4 of the card, and ask them all charges on this particular card were authorized.
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Postby kwrxxx » Tue Dec 31, 2013 10:41 pm

You have put yourself in a pickle. You should consult an attorney. Unless someone gives you a credit card with your name on it after you have signed a contract with a bank you must not use the credit card numbers of any one, no matter what they say. All she has to do is file a police report and then take you to small claims court to recover.

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