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

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

Postby branchpoint » Wed May 02, 2012 5:42 pm

I authorized someone I thought was a friend to use my credit card to pay her utility bill one time in an emergency. She understood that and agreed never to use it again.

Seven months later she started using it at some of the same places she knew I shopped, without my knowledge or authorization.

I noticed nothing at first, but later after checking through my receipts, which she knew I habitually do only every few months, I discovered a total of over $10,000 in fraudulent charges.

Now the police tell me they can't go after her because authorizing her once created the presumption she could use it indefinitely, no matter what we had agreed or how ridiculous the situation became.

Is this actually true? It's crazy and unfair if it is. It means you can't ever let anyone else use your credit card number without incurring liability for whatever they might decide to do in the future. This makes no sense and is something I think would not occur to many of us.


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PlatinumAMEX94
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Postby PlatinumAMEX94 » Thu May 03, 2012 3:29 pm

Sorry, but you have no recourse, other than going after your friend. Cancel the card or report it lost so she can't use it again. Does she have an actual card?
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Postby jeffysdad » Thu May 03, 2012 3:44 pm

I can't think of anything to say about this that doesn't at least "sound" mean. So I'll just say "completely amazing."
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Postby DavidNY » Thu May 03, 2012 3:46 pm

I would consider this story a cautionary tale.

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FastSRT8
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Postby FastSRT8 » Thu May 03, 2012 3:51 pm

branchpoint wrote:I authorized someone I thought was a friend to use my credit card to pay her utility bill one time in an emergency. She understood that and agreed never to use it again.

Seven months later she started using it at some of the same places she knew I shopped, without my knowledge or authorization.

I noticed nothing at first, but later after checking through my receipts, which she knew I habitually do only every few months, I discovered a total of over $10,000 in fraudulent charges.

Now the police tell me they can't go after her because authorizing her once created the presumption she could use it indefinitely, no matter what we had agreed or how ridiculous the situation became.

Is this actually true? It's crazy and unfair if it is. It means you can't ever let anyone else use your credit card number without incurring liability for whatever they might decide to do in the future. This makes no sense and is something I think would not occur to many of us.


Sorry to hear bro.

Here's what you can do... call her out on it publically on facebook. Use her friends list on facebook and send the same email to all her friends asking if they know her to tell her she owes you $10k. Let them know nicely it was unauthorized and she ripped you off.

The embarassment may not get you your $$ back but it will ruin her.
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branchpoint
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Postby branchpoint » Thu May 03, 2012 5:28 pm

She never had the card in her posession, or was on any sort of "authorized users" list. What astounds me is the idea that a one-time authorization gets legally extended indefinitely without further notice. Is this generally true? For example, if you lend someone money out of your wallet, does that give them the right to dip into it later whenever they feel like it?

branchpoint
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Postby branchpoint » Thu May 03, 2012 5:39 pm

You can go ahead and say "stupid" if you want, and I suppose it is. But I would like to believe I don't have to be suspicious of absolutely everyone. This is someone I allowed to live in my house for five months (no, nothing romantic, just sharing what I could with someone in need). It's too bad she didn't show what a slimebag she is when I could have just kicked her out.


branchpoint
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Postby branchpoint » Thu May 03, 2012 5:43 pm

I'd like to do more than that, but right now I want to exhaust any legal remedies before I start acting vindictively. But good suggestion for later.

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Moneytalks
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Postby Moneytalks » Thu May 03, 2012 9:41 pm

FastSRT8 wrote:Sorry to hear bro.

Here's what you can do... call her out on it publically on facebook. Use her friends list on facebook and send the same email to all her friends asking if they know her to tell her she owes you $10k. Let them know nicely it was unauthorized and she ripped you off.

The embarassment may not get you your $$ back but it will ruin her.


Note to self... never tick off Fast, otherwise, he will wreck my life. Check. Lol! seriously though, she could sue you if you harass her too much. (I'll wait for JCarter's two cents for the legal stuff) Out of curiosity, was your agreement in writing??
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PlatinumAMEX94
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Postby PlatinumAMEX94 » Thu May 03, 2012 10:43 pm

FastSRT8 wrote:Sorry to hear bro.

Here's what you can do... call her out on it publically on facebook. Use her friends list on facebook and send the same email to all her friends asking if they know her to tell her she owes you $10k. Let them know nicely it was unauthorized and she ripped you off.

The embarassment may not get you your $$ back but it will ruin her.


If you really want to get back at her, put an ad on Craiglist for something retarded and put her phone number as the contact. You know, like some *** profile, or a room for rent. And when you are done there make a phony profile with her picture and her email address.

Revenge can be utter sweet.
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