Identity Theft Victim?
I have recently discovered that I am a victim of identity theft. Someone has gotten my credit card information and racked up the fradulent charges, over $2000 that I know of, and I've just found out today . The credit card company, Chase, says that I'm not responsible for fradulent charges and it will be taken care of.
Is that true? Do you think they're just going to mess with me and screw me over? What has been your experience?
Answers:
You are not responsible. There are actually legal limits to liability as set forth by the Fair Credit Billing Act:
http://www.stolen-credit.com/2007/08/cre...
Yes, that is true.
There are various federal laws and regulations that require this IF you can prove you did not make the charges.
The credit cards companies are very good about identity theft issues. Yes, it happened to me, too. Do what they tell you, send in the forms. They'll take it off.
No, that is NOT true. Trust me, I have known people who have had to deal with ID theft for YEARS afterward. Even if the company says that you are not responsible it is still on your credit report.Even after it is removed it will show up again.
My husband had over $500 spent on a credit card which only had a $500 limit! We found out directly after it happened (Thank god for Christmas eve!)and caught it BEFORE they sent the stuff out to a "Model" home via UPS with a fake name. We never got any help from the police, NOR the credit card place...They could have EASILY caught the person, but refused to do anything.
The law lays with the ID theft. I hope that what they say is true in your case, but I wouldn't hold my breath and I would try to push charges if you know who did it.
here is a good article about what you are going to do if your identity is stolen
http://www.badcreditresources.com/articl...
You are definitely not responsible, but you need to be careful in the future... I had the same thing happen to me with American Express and didn't have any problems after that... but you need to be on the lookout.
You are not responsible. I recently had to have something taken off my credit. It was a hospital bill. The hospital had missed writing my apartment # down and thus the bill was just returned to them. They turned it over to a collection agency which did the dirty work of finding my apt #. As soon as I got the bill, I paid it. Later, it showed up on my credit. So I called Equifax. They didn't do anything about it but send me a letter stating that my credit showed that it was paid. It already said that but still showed the collection, which was hurting my credit. I finally contacted the collection agency which had it taken off my credit within weeks, after I explained what had happened and they could see that I did pay the bill immediately after the first notice in the mail. I don't know if the could tell if the hospital was missing my apt#.
It may take a while but, I believe you can have it removed. If after several months you don't get it straightened out, then contact a lawyer. Your local police dept may be able to give you advice too.
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