Wednesday, July 06, 2016

Credit fraud

Yesterday I was looking online at my bank account and saw a pending charge that I did not recognize! A fraudulent charge! :( Phoning my bank to report this event, I was told that the best thing to do was to cancel that card number! So that is what I did.

However, I had several companies to whom I had given that now cancelled credit card number. So, I had to go online to each of these companies and give them a new credit card number. That took me about an hour to do. What a pain!

This morning that pending charge changed to a regular charge. I phoned my bank and filed a dispute against it. Then I went to a branch of my bank and got a new debit card from them. Then I went to the ATM and withdrew some cash to make sure that my new debit card worked.


5 comments:

  1. Replies
    1. Thank you, Sheila! :)

      I feel very good about catching this scoundrel in the act!!

      George

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  2. Very upsetting, isn't it, George? I had something similar happen to me back in January. Somebody----somehow---was able to open a credit account in my name. Charged a $1200 camera. I received a bill letting me know when my first payment was due on this account I knew nothing about. It cost me hours with the fraud people, the credit report people. I had to go to the police station and file a fraud report. Not a fun experience at all. These people had my SS number, my home address,etc. thank goodness the birthdate was a year off, and the phone service listed did not match. No big damage done, but frightening to think what might have happened!!

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    Replies
    1. Hi Rose,
      My friend and golf partner, John, advised me to freeze access to my credit reports at Transunion, Experian and Equifox.

      I understand that a new credit line will not be granted if the credit reports are not available.

      George

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  3. Another thing you might look into because you do a lot of internet shopping is Paypal. The places you are shopping at don't get your credit card information just your Paypal information. The biggest misuse of credit card information, for me, has been motel/hotel reservations. So most everything I do now on the internet that takes a credit card is ran through my Paypal account. I haven't had to shut down any debt/credit cards in a while. (Knock on wood)

    Be aware that when locking down your credit reports, the Social Security Administration uses Experian for verification of some information. If your credit reports are locked down, you have to go in and talk to an agent with a boatload of paperwork. It took a while before I figured out what was going on. What happened was, when my employer's data base was hacked, one of the remedies to protect us against fraud was our credit reports were locked down.

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