- Green Member
- Posts: 4
- Joined: Thu Aug 01, 2013 12:40 am
- Location: miami, fl
Last year I opened a $10k limit charge card at a dept. store through an online application system. The day before I made my first purchase, it seems that a fraudulent charge was made on the account for $6k without my knowledge or authorization. The charge went un-noticed for about 2 months or so as the acct was on auto pay.
Once I discovered the fraudulent charge, I contacted the dept store customer service to dispute. I was made to run in circles without any hopes to resolve the matter. Fast fwd to July 2013, I was able to escalate my dispute to the executive office. After repeated attempts to dispute and request competent proof, signature receipts, etc..., my claim was denied.
Then, I learned that I should sign an ID Theft Affidavit and attach a police report to it. I proceeded to file a police report to further validate my claim. The police refused to process a report for ID theft due to lack of information... They too became frustrated with the process of dealing with the bank since a lot of time has passed. The bank can only produce acct statements. They do not have any copies of transaction receipts, transaction signature, or any other verifiable proof. Their record retention is only for 3 months. So now it is my word against theirs.
Last week I sent a letter demanding proof and threatening with legal action if they continue to report defamatory information.
What else can I do? what are my options.
Any guidance would be appreciated.