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I hope you got her arrested for credit-card theft

Posted By: and fraud! NM on 2009-06-08
In Reply to: My boss, when I worked as - exasperated

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Have U renogiated credit card debt when minimum payment got too high? Do they take your card away,
s
Why does closing a credit card account negatively affect your credit report

Especially when I never use it anyway, and really never wanted it?


With all the bank rearranging going on in the past few months, one of my accounts was tranferred to Bank of America. I was sent new cards and a new agreement, new interest rate etc...


So I called them up and cancelled but before they did, I had to listen to a spiel about how this would negatively affect my credit report.


Huh?? Why is that?


Credit Card Reform Can Cost Good Card Users

Part of article:

Credit cards have long been a very good deal for people who pay their bills on time and in full. Even as card companies imposed punitive fees and penalties on those late with their payments, the best customers racked up cash-back rewards, frequent-flier miles and other perks in recent years.


Now Congress is moving to limit the penalties on riskier borrowers, who have become a prime source of billions of dollars in fee revenue for the industry. And to make up for lost income, the card companies are going after those people with sterling credit.

We pay off our balance every month. If they do this (punish those who have sterling credit) Ridiculous!! I'll stop using my CC and pay by cash or check.

So much for reform.


Cancel the ID theft protection on your credit cards.
If you didn’t pay for it, you’re not liable for it.
Credit card (SM)
There was information about credit cards and interest rates going around late last year/early this year.  Basically, from what I understand with the new bankruptcy law this was attached to it.  The credit card companies can and will charge you and me whatever interest rate they want to, and the only thing we can do is cancel the card and pay off the balance.  There were these little inserts with your statements that many of us just throw away and never think about it.  But I did read the ones that were sent with several of my statements, and I kindly told them to keep my rate where it was and I canceled the card.  Sad but true. 
About my credit card
I owed close to $10,000.00 about 2 months ago on my credit card and called to make sure I sent the right amount as paying it off. After I paid in full, they also sent a "finance charge" for around 35 to 40 dollars. I paid that but have discontinued using that card. I have another card, used during Christmas, interest about half of the other one and getting that paid off before long also, just sent $500.00 towards that yesterday. I on the first had asked for payoff amount but the finance not there when I asked.
credit card
I've not had personal experience, but I know to be wary of some of those companies that advertise. I saw a financial advisor on the Today Show and she said to make sure you go with Consumer Credit Counseling; maybe there's a link on the Today Show website. Good luck!
Pay off our credit card
And with the little we'd have left just put it in the bank
credit card debt
Not sure what will happen, but I do wish you luck. Credit card debt is an unsecured type of debt. I don't know what more they can do to you other than a judgement. Not sure you can put that under a bankruptcy either once the judgement has been placed. I know a lawyer that handles a lot of bankruptcies -- did some work for him. He always asked his clients if late payments had gone to judgements. If they had not gone that far he was pleased about it. I guess it made things easier legally. Not really sure.
I use my credit card!!!! Priceless!
Actually it was an expired one. Hubby laughed. I use Dawn Power Disolver in the blue bottle. Works wonders. Then IF I have to scrape I have used the credit card of course, but fine metal spatula or a razor, but I use one of those like you scrape paint with that has the handle like an ice scraper.
Did anyone's credit card payment any go up
seems chase is changing policies on their credit card holders. charging 10 service fees if you want to keep your promotional rate. also doubling minimum payments. Didn't they have financial problems in 2008?

The credit card companies are going
to be do everything they can get away with in the next year because of the new rules that will go into effect in 2010. Keep an eye on your interest rates. I have a couple that went up for no apparent reason. I called them immediately. One company lowered my interest rate below what it had previously been. The other did not, and I paid it off and did not use it for a while. They sent me a notice a recently that my credit limit had been increased and the rate had been reduced (back to what it had been previously, of course).

The link below has a synopsis of the new rules that will take effect next year.
Nope. Usually, we use the credit card...
just because it keeps my husband and myself from seeing how much was spent and where until after Christmas (we both frequently check the bank account online). This year, though, the one positive thing about my husband being in Iraq is that I did not go crazy with Christmas like I usually do and I explained to all the extended family that I was not buying much for anyone except my son. Thus, no debt this year, although we always pay it off fairly quickly. I think the highest my credit card has ever been is $700.
Not so much by unknowns but by my own credit card companies,
all foreign people, trying to sell me the credit protection. The last one called me for around 10 days straight (unknown # on the ID)until I finally answered! I told them all to put me on THEIR "do not call list" or I'd cancel the card. Seems to have worked. ;)
To restore credit, get a card that is pre-paid and use that
s
best cash-back credit card?
We've been using the GM card to get new cars for less, but i'm open to a different card that rewards general purchases, food, gas, apparel etc, with cash back.  Any recommendations?  thanks!
Be very careful about credit card payments
I just paid off my Visa to the tune of over 7,000.00. This was what was posted but did not take into consideration the interest charges put on- I got a bill for $1.50 so I thought ok will send that in, I was a day late- (no excuse, just overlooked) and they had put my interest- get this from a low 10 to 117.16 for that month- now what would happen if I owed a REALLY BIG amount- I would never get that paid- how it worked out was I owe them now $15.59 which I think will pay before time. Just be aware, folks! These folks are ruthless....
credit card debt relief
Does anyone have any experience with those companies claiming to reduce debt by up to 70%, etc. ?? I'm drowning in debt. :(
Credit Card Debt Counseling

http://www.cccsatl.org/index.asp?_method=view&sc=43&cn=486&md=debtmanagement


Here's what you want to use...  It is called Consumer Credit Counseling Services.  They are legit.  Now back when hubs and I did it about 15 years ago, there were no computers, per se, so we went on site to an office.  I don't know what state you're in or if there is an office local to you, but it looks like you can do this online. 


We did it, completed it, and it was great.  However, they cut your credit cards up in front of you and put them in a huge jar (at least they did back then).  Once you join, there are no more credit cards.  What CCCS does is works with your creditors to reduce interest rates, payment size, etc. because they are networked.  You then make one lump payment to CCCS and they disburse the money.  They also take into consideration your income.  I think that's what makes it all work.  Also, this is what tells them how long it will take to pay off the debt.  Just beware though that if you are "behind" on payments, sometimes certain creditors do not accept CCCS, so they may hassle you still and some just plain won't accept CCCS's offer. 


Believe me, even though we are not late on payments, we had in the past 3 years so much personal stuff go on (sickness, death, etc.) that we have racked up some debt ourselves and may try CCCS again, as one card we have raised the rate to 33% interest because we have a high balance.  We make regular payments.


All in all, it's a great plan and it does work, but you no longer have credit cards (they close the accounts), and you will have a "bad mark" but yet a good mark on your credit report for using CCCS.  Check with them about that though, as I do not know the specifics.  It is way better than bankruptcy...


Hope you find some relief soon!  My thoughts are with you...  I'm not judgemental because I've been there and done that. 


Credit card Washington Mutual/Providian

Get this, I haven't used my Providian/Washington Mutual credit card in quite awhile.  I got the new credit card in the mail to take over for the old one, and I thought I would give the company a call to find out what the interest rate was on it.  So after reaching India of course, I asked for someone in the United States, was put on hold for 4 1/2 minutes and then disconnected.  So I call back, go through the 15 prompts and get someone from the Phillipines.  The interest rate on my card is 31.8%  Yep you are reading that correctly - 31.8%. 


I am passing this information along because I am livid at the fact that the interest is 31.8% (which, by the way, neither person on the other end of the phone said "let's see what we can do to lower this.), and because TWO countries have this credit card's business and people in the US are working 2-3 jobs to make ends meet.  I know this has been an ongoing discussion about offshoring, but I was more angry at the fact that it is 31.8% and that no one offered to lower the rate, even after inquiring about it. 


 


 


OMG! I worked at a hospital where the ID badge was credit card
Yes, I totally understand! It is easy to get caught up in the moment and you think, oh, it is only a few dollars. Lunch would be more than I really could afford because I'd charge it. And the bargains at the gift shop (yeah, right!!!).

Could you get a loan from a low interest credit card perhaps to pay off the 2500?
credit card debt lawsuit question

If there is anyone out there who has been sued and had a judgment placed for credit card debt....


What happens when you go to court??  I don't own a house and live week to week (part-time IC, not very supportive husband) so they can't get blood from a stone so to speak.  But I was wondering if anyone has gone to court and what actually happens. 


credit card debt lawsuit question
Anyway you can declare bankruptcy, chpt 7?  I am going that route.  :(

 

Do you have a lot of monies owed where bankruptcy is a real possibility?

 

I'm going through a similar time......talk about stress!!!!!!!

DH paid off credit card. Now I'm paying him back. No
nm
There is a free version of Efax that does not require a credit card. sm
Are you needing to fax out, in, or both? You didn't clearly state, but said you needed a number. I receive faxes for free through efax, but haven't sent any that way. Never have I given them credit card info. Check out myfax.com.
This happened to me with a credit card, bought a printer and they never charged me for it on my stat
All of a sudden my card was canceled and the amount sent to the collection agency. They said I knew I bought it and should have sent in payments, even though it never appeared on the statement.
And I would let him be arrested!
He's too old to have his mommy taking care of him and catching him when he falls.
He's already lied to her, he's not going to stop now, he'll just keep taking advantage.
then you'd probably be arrested for assault - sm
to boot, as he did nothing to you except ask you to expose yourself. Ironic isn't it? I agree though, pretty duummbb of these women(?) to flash the doc then go national with their stuuppiddity.
My son arrested at 15 for candybar
had to get him out of jail, ticked me off but his fault. Never knew him to steal again.
Hoping they all get arrested
Easter Sunday here in major city 5 people killed in an accident, 3 children and 2 adults with the person causing the accident leaving. There has been an intense manhunt since that time with a tip coming in yesterday about the vehicle involved. The vehicle had been hid in a home gargage since the accident. A 22-year-old lady now arrested but 5 counts of homicide by vehicle but get this- her mother and grandmother were advised what had happened 2 days after the accident and they did nothing about calling the police. I hope now they have to pay the piper because they were involved in a coverup.
You can be arrested for not showing up!! snm
A town in OR (Eugene maybe) had such an awful jury duty rate that they rounded 'em up and started throwing them in jail for contempt; then deputies went out on the street and cornered passersby to serve on the spot!
arrested for bad checks - not Caylee
very unusual for someone to be arrested that way for bad checks, that scened was sooo dramatic. The cops must hate her too
IMO a card would not be out of order at all. Except a sympathy card, of course.
I totally agree a sympathy card wouldn't quite be the thing, but it sounded to me that the original poster of that idea didn't mean a sympathy card like one for death. I think sympathy in the sense of "hey, you had a rough time of it with this birth, and maybe things haven't been the way you imagined, but know that I'm thinking of you and I'm here if and when you need me."

I got PPD when my breastfeeding relationship didn't go right, following a birth plan that went seriously awry, and the reality of a fussy, picky baby instead of the happy, sleeping one that I had imagined.

I *did* spend a lot of time on the phone, but then everybody's different. I would have loved to get a cheerful card from a friend, however. Does anybody NOT like a card?
ID Theft
My neighbor had this done by someone that he worked with in the personnel department. They were stealing SS numbers off of worker files. Nice huh? You can't trust anybody anymore
theft?
Theft is being charged $13 for a plate of spaghetti. I know, we have the choice of staying home, etc, etc. I cook for them all the time and yes, they eat everything not nailed down!
Identity theft
So, somebody has your social security number.  Just wait until the IRS comes after you for not reporting the income from your second job, picking grapefruit in Florida.  Happened to a guy here.  Has cost bundles in legal fees to straighten it out.  Reader's Digest had a story once on a man who couldn't retire because SS showed he was still working in another state.  It's not necessarily illegal aliens either. People who can't pass criminal background checks use stolen identity to get legitimate jobs, or they get arrested and give your ID and you can't pass a background check.  Identity theft is a real mess.  I don't think the penalties are harsh enough.  Shakespear said it.  He who steals my purse steals trash; but he who steals my good name takes that which little enriches him but makes me poor indeed.
It is a form of theft
There is something wrong with these people who feel they have to clear the table of sugar and/or sweetener and especially the ones who decide to complain to the manager at the end of a meal that they had no trouble eating just to get the meal for free or at least discounted. My niece waited tables in a fairly nice steak house chain and she said it happened more times than you could imagine.

And then they gloat about it later! They should be ashamed.

Have you ever been the victim of identity theft?

If this will help prevent identity theft, then I think it may have some good points.


I don't like the idea of electronic tracking. I read the part of the bill dealing with the Real ID and it said the "machine-readable element" is "to be determined". That is a little ominous. I think visual inspection should be enough. I really don't think electronic tracking is justified.


Identity theft -- never thought it could

Yesterday, I got a call from QVC.  I had ordered a GPS system for my hubby and QVC called to say they were unable to complete processing of my order because my credit card wouldn't get through.  QVC said the address I gave them as the billing address did not match the billing address of my credit card.  I asked the rep to hold on while I pulled my credit card account up on line.  When I did, I saw that my address and phone number had been changed to somewhere in TX (I live in PA).  I told QVC I would have to call them back.  I immediately called the credit card company.  They pulled up my account and said that yes my address had been changed just a few days ago.  When I asked how, they couldn't tell me.  They did not know if it was done on-line or by telephone.  This, I don't understand.  If someone called in to change it, shouldn't that be documented?  Furthermore, if it was changed on-line, wouldn't there be a computer trail? 


At any rate, it was changed, and my cc company tried to contact me to verify it by calling the new phone number given.  (Makes no sense).  Having received no answer, they sent a letter to me, which I have yet to get.  One day after changing my address, someone made a $10 on-line purchase with cc account, which went through.  Immediately following that, a $4500 on-line purchase was attempted to be put through.  This one the cc company did not allow (thank God for small miracles). 


After having all of this explained to me, I was then transferred to an Identity Theft Specialist, who would help me close this account and reopen another one as well as put into action security alerts for me.  For the next 7 years, my credit report will be flagged as a "fraud alert", meaning that if anyone tries to open a new account in my name, the lender will have go through extensive verification to confirm it's me.  I'm told this will not affect my credit score. 


I also had to file a report with my local police, which I doubt will accomplish anything.  Local police are not trained in the same manner as state police, and I don't see how they have any jurisdiction over this since the offender is out of state.  We will see.


I did, however, write down the address and the phone number that my account was changed to.  My husband called the number last night from his cell phone and no one answered.  He left a message stating he was looking for "my name" and to please return his call to "his number".  They immediately called back, but when my husband answered, they said nothing.  They called back again later that night and did the same thing. 


Here's the real kicker, when I called QVC back to give them a different credit card (which I immediately verified all of my credit cards after this incident), the lady asked if I knew what happened.  I told her that apparently I was a victim of identity theft.  She said that's what she sort of figured had happened especially with the credit card company I had.  I said what do you mean and she proceeds to tell me that there have been a lot of "account takeovers" with this particular company and that it was determined to be an "inside job".  This left me feeling less than secure about setting up a new account with that company.  It also makes me wonder if that's why they weren't able to trace the original address change.  My husband says as soon as the new account is set up, we're going to cash in our reward points and pay off the balance and close the account. 


Fortunately, this cc company has 0% identity theft liability, so we will not be responsible for the charges that did go through.  However, the bigger concern here is that this person obviously has enough personal information about me to set up new accounts without my knowledge; hence, the reason for the fraud alerts on my credit report. 


I am so furious, if I ever get my hands on this person, I'll likely wring his neck!  My husband and I have worked hard all our lives to have good credit and some skuzbucket thinks he can just come along and take it.  I don't think so.  I intend to pursue this fully.  If it is an "inside job", I will make sure that this credit card company does something about its current employee background checks. 


So, take a minute today and call your credit companies or go on-line and check to make sure that noone has changed your address and phone number.


i understand about identity theft, but
friends of friends cannot see your info/pics/posts UNLESS you set you security settings that way. It can be as private or as public as you want it to be. i am very cautious but i think FB is great!
This will make identity theft easier. Our DMV had the
computers stolen, and so whoever did it had access to personal information. Now they will have all the personal information they need without having to dig for it. Homeland Security and other government agencies have had computers stolen.

As far as electronic tracking, not long ago there was a push to have micro chips implanted in all school kids.


I just wanted to tell you if you never got the Love and Theft CD you simply sm
must. I literally played this for months on end and could not listen to anything else. It is wonderful. One song he states he was in a hotel that was so crappy he called room service and ordered a room!  Typical Dylan. Give a listen if you have never  heard it.    
gas card
I always go with cash, but if you don't like that maybe a gift card to the local gas station. Ours has this in any denomination you choose.
credit
My girlfriend did use the service. It worked great for them. It also put all their payments in one. The only thing is you need to watch what "items" you put under the service because it will keep you from purchasing items for so many years.
credit
I have used Consumer's Credit Counseling Services locally. They were wonderful to me. Put me on a generous budget, put all my bills under one payment (had to cut up all credit cards - which was a blessing and freedom after I got used to it), cut the credit card interests way-way-down or to none, and finally got everything paid. At first there was no charge from them, but later I paid $5 a visit, but I imagine they have surely put a low charge now. They were pretty strict with me (which I needed), but it worked. They were always accessible to talk with, which I really liked too. Also it was nice to refer callers to them, saying, "I am a client of CCCS and they are helping me" and not have to deal with the callers any more. In fact, after they were notified of intent to pay by CCCS they never called again.

Good luck. It meant freedom to me.
credit
I did hear that credit counseling is reported to the credit bureaus, but so are late payments, over-limits, missed payments, etc., etc. so ultimately I don't imagine it could ding your credit score any worse.
credit
I don't know the answer to that. We have only bought cars and a house on credit since then. Be sure to talk to the credit counselor before signing up and find out. They will know.
Gift Card
Just a note. I learned from my daughter and my neices that the VISA gift cards are the prefered gift card. They can be used anywhere salons, stores, and even gas stations which for a 16-yo can be a lifesaver.
I think a card or something simple would be
appropriate. It is the thought that counts. I'm not talking a diamond ring or something! He just doesn't make much of any holidays. Yes, my kids are very young so they cannot do much themselves. One time he did take the kids for part of the day and let me relax.
Anyone Want a Calling Card?
I just bought a calling card for work and it screws up the dictation too bad.  Would anyone like it for personal use?  I can e-mail the number and PIN to you.  No charge, just don't want it to go to waste, and we have a cell phone for LD.
When it says no gifts, I always take a card. nm
!