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We've had credit card fraud, and it actually is important if you think you know who did this.
The credit card company will then decide if you were "in on" the take - that is, someone you are affiliated with makes lots of charges, and then you claim fraud and both of you reap the benefit of the items purchased.
In my experience, they will dig pretty deep if the charges are more than, say, a couple hundred dollars.
We had 25k run up on a back up card. Questions: Do you know where the card is? Do you know if it has been anywhere else? When was the last time you used it?
When the card company requires it. I’m not sure how much clearer that can be but they can and some do require the customer to fill out a legal affidavit swearing they were not responsible for making the charges.
So in other words you have no idea when it is required and just make a blanket statement with no real purpose or information.
Got it
I had to do it with USAA and the credit card company tied to my brokerage account. I don’t know all the companies that require it but they can. If it’s required and you refuse they can hold you liable for the charges. It’s pretty simple
I was on the phone with my bank & H credit card company. My H has to call back again. My concern is if my husband lack providing detail information on who he think did this. We live in Canada and the fraudulent person did this in Florida (we think) for sure in the USA.
It's not on your husband to prove anything. They should be sending him an affidavit of fraud which he will execute and return to the bank. The bank has the right to investigate this and they will but they can't simply accuse your husband without some evidence. Just as in the US, the most they can hold you liable for is $50, and most individual credit card companies don't even hold you responsible for the $50
It's not on your husband to prove anything. They should be sending him an affidavit of fraud which he will execute and return to the bank. The bank has the right to investigate this and they will but they can't simply accuse your husband without some evidence. Just as in the US, the most they can hold you liable for is $50, and most individual credit card companies don't even hold you responsible for the $50
So can they require you to sign an affidavit or not?
I don't think there is a law prohibiting them from getting one, it seems to vary by bank at least in the US. We've had our debit card compromised a few times, Schwab bank required a notarized affidavit but our Credit Union in Sacramento didn't.
I don't think there is a law prohibiting them from getting one, it seems to vary by bank at least in the US. We've had our debit card compromised a few times, Schwab bank required a notarized affidavit but our Credit Union in Sacramento didn't.
Hello everybody! Thank you for your sweet concerns and your comments. It was not an easy day.
My H went back to the bank to try to sort things out. He also went back to the police station to give more details.
Apparently, when he hired a company to fix his computer, it was done and then he got a call that they have to refund him some of the money. H gave them information for the refund and that was the fraudulent part and the CC take issue with that.
I don't know what will happen now. H had to provide police report number to the bank so they can start an investigation and this was provided today.
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