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  1. #1
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    Default Do I have a right to know who used my card fraudulently?

    What legal rights do I have to the information of who committed fraud on my credit card?

    I recently had 2 fraudulent charges from amazon.com on my credit card, totaling $630. There was no activity on my amazon.com account for these amounts, and I called their customer service and was told I would have a response within 48 hours as to what the charges were for.

    However, instead of any information, I get an email that says they cannot provide me any information as to the charges, but that they will cooperate with the credit card company in an investigation if we pursue one (which we obviously did). However, I very strongly want to know who used my card and what was purchased.

    Several people have access to my home (cleaning person, kids friends, etc.) and I need to know if this is somehow from someone I know, so that I can protect myself in the future. Do I really not have any right to the information as to what was purchased on my credit card and where it was shipped to?
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    Amazon, like most web retailers, gathers tons of information from their customers/users. As such, they generally have privacy policies that they strictly adhere to in order to protect the information that they gather. They are certainly within their rights and obligations to withhold information about one of their customers that may or may not have fraudulently used your card. I would file a police report if you really suspect someone in your household. Your local police department will be able to investigate the matter further on your behalf.
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    No. You do not get to find out who used your card. It is for everyone's protection. You could be a psycho lunatic who is going to cut up the guy who stole your magnetic strip at the gas station. I had a similar situation happen with my Amex Blue and they wouldn't tell me either.
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    I had a card lifted in a hotel room once, the thief used it to buy a couple hundred dollars worth of sneakers and stuff.

    I saw a charge receipt (the thief used a spiral as their signature), but that's as far as I got to knowing who swiped it. I doubt the credit card company ever found out either, they probably just put it down as a loss.
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    Quote Originally Posted by DavidNY View Post
    I doubt the credit card company ever found out either, they probably just put it down as a loss.
    Generally, card issuers don't eat the losses; the merchant does.
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    Quote Originally Posted by Capital View Post
    Generally, card issuers don't eat the losses; the merchant does.
    That might very well have been the case.
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  7. #7
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    Quote Originally Posted by AmazonCCIssue View Post
    What legal rights do I have to the information of who committed fraud on my credit card?

    Do I really not have any right to the information as to what was purchased on my credit card and where it was shipped to?
    None from Amazon, they will release the information to law enforcement and your credit card issuer. Should they locate the individual, then you'll find out, as you will be required to testify against them. You'll swear under oath that you did not authorize any such use of your card by the person who utilized it.

    If you really want to know who did it, push for charges to be filed from your local prosecutor's office. Contact the Victim Witness Advocate and ask for assistance.
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