Urgent Help: 信用卡被盗用，dispute is pushed back by Credit Card

来源: ESPP 于 2007-02-26 21:59:07 [] [旧帖] [给我悄悄话] 阅读数 : (1880 bytes)


I was found I have been charged $900 in my credit card account by end of last year. I have sent dispute to Credit Card Company. Today I received a letter. Here is the letter said –

We requested and received a copy of the sales slip from the merchant’s bank. A review of the documentation indicates that either the merchant obtained an imprint of the card, or the sale took place at an automatic terminal, and the card was used to initiate the transaction. (The terminal reads the account information from the magnetic strip on the back of the card.)

Because the credit card was present when the transaction took place, these types of charges are considered valid. The charge will be placed back on your account within 7 days.

I am in Mid of U.S. and the store which charged me is in California.
It is about 1500 mile from my home. However, I didn’t lose my credit card. I still used it yesterday. I wonder how come someone uses it in California. Credit Card Company attached the copy of sales draft from store. Account number and expiration date are exactly same as my card. Of course the signature is not mine. It is a must someone duplicate my card using my card info.

What should I do next? In the letter, Credit Card Company said I call them again if I have any additional documentation that may support my claim. Otherwise, contact the store directly. I do not think I have any document to support my claim. I am on vacation by that time my card was charged. I can not prove I am not in that store even it is 1500 mile far from my home.

Please help! Should I call police to let them to investigate this case?
Or sue Credit Card Company? Sue store? It is only $900, not worth to have a lawyer. Should I just pay $900 and close the credit card account? Please advice. Any suggestions are helpful.
Thank you very much!

所有跟帖： 

• 一点信息， -Womanc- ♀ 给 Womanc 发送悄悄话 (466 bytes) () 02/26/2007 postreply 23:48:33

• Thank you for your info. Signature Question. -ESPP- ♂ 给 ESPP 发送悄悄话 (333 bytes) () 02/27/2007 postreply 07:01:16

• 回复：Thank you for your info. Signature Question. -WOMANC- ♀ 给 WOMANC 发送悄悄话 (394 bytes) () 02/27/2007 postreply 07:32:29

• Thank you! -ESPP- ♂ 给 ESPP 发送悄悄话 (0 bytes) () 02/27/2007 postreply 07:46:11

• In Asia, some group do -visit- ♂ 给 visit 发送悄悄话 (274 bytes) () 02/27/2007 postreply 15:55:05

• 回复：Urgent Help: 信用卡被盗用，dispute is pushed back by Credi -northgirl- ♀ 给 northgirl 发送悄悄话 northgirl 的博客首页 (703 bytes) () 02/27/2007 postreply 11:02:35

• Thank you!!! I will call CC company again. -ESPP- ♂ 给 ESPP 发送悄悄话 (0 bytes) () 02/27/2007 postreply 13:04:05

• 回复：Urgent Help: 信用卡被盗用，dispute is pushed back by Credi -wxc2008- ♀ 给 wxc2008 发送悄悄话 (137 bytes) () 02/27/2007 postreply 15:41:57

• 回复：Urgent Help: 信用卡被盗用，dispute is pushed back by Credi -maomao07- ♀ 给 maomao07 发送悄悄话 (500 bytes) () 02/27/2007 postreply 20:54:08

• I mean not your signature. Dont pay. -maomao07- ♀ 给 maomao07 发送悄悄话 (0 bytes) () 02/27/2007 postreply 20:56:10

• 你是写信去dispute的，还是打电话给CC公司的？ -xiangfa- ♀ 给 xiangfa 发送悄悄话 (919 bytes) () 02/27/2007 postreply 21:08:49

• Thank everyone! Issue resolved. -ESPP- ♂ 给 ESPP 发送悄悄话 (445 bytes) () 02/28/2007 postreply 07:42:40

• 回复：Thank everyone! Issue resolved. -maomao07- ♀ 给 maomao07 发送悄悄话 (326 bytes) () 02/28/2007 postreply 20:51:24

• 回复：回复：Thank everyone! Issue resolved. -ESPP- ♂ 给 ESPP 发送悄悄话 (56 bytes) () 03/01/2007 postreply 11:49:53

• 信用卡公司有规定，必须要查看刷卡人的ID。如果没查，而出现 -8挂专家- ♀ 给 8挂专家 发送悄悄话 8挂专家 的博客首页 (34 bytes) () 03/01/2007 postreply 20:46:20

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