Being billed for fraudulent charges made with a stolen card

[xanis]

I made this thread yesterday detailing some problems I was having with a company trying to bill me for fraudulent charges. No one seemed too interested, but whatever, I need some serious advice, so here goes another thread. Cliff notes for those who didn't or don't want to read the other thread:

- debit card number was stolen in early May
- canceled my card on May 23rd and filed a fraud claim along with an affidavit from my bank
- some guy used my card number for a phone sex hotline on 6/24, after my card had been canceled for almost 2 weeks
- the company in charge of the billing for the phone sex hotline sent me a bill for $156.02
- called the company, explained my situation, they want me to fill out paperwork and file a police report

That's pretty much the long and the short of it.

Basically, what I want to know now is what my options are. I really want to do this their way and just get it taken care of, but they're business practices are pretty shady and they're not guaranteeing that this will go away. A couple of other posters in my other thread claimed that I could just ignore them, but I don't know how that would work out. I don't want this thing coming and biting me in the ass later on. Here's what I want to know:

1) Do you think I could safely ignore these guys?
2) Is there any legal action the company could take against me assuming I refuse to pay up?
3) Will not paying result in a dent in my credit, or will it hurt me otherwise?

 

[GodlessAstronomer]

Uhhh, why don't you just go and file that police report?

 

[jpeyton]

Don't pay anything to them; if you didn't make the charges they are SOL.

 

[xanis]

Originally posted by: GodlessAstronomer
Uhhh, why don't you just go and file that police report?

I'm planning on doing that tomorrow or Thursday. I was just asking here to see if I had other options.

 

[BoomerD]

Not really. Contact your card company and make sure they have the fraud complaint filed, contact your local cops and file a report with them. How/where was the number stolen? Your local cops may not have any authority/jurisdiction if it was online, but the report should still be made.

 

[sao123]

if your debit card is a visa get them involved.

 

[akshatp]

You cancelled the card on 5/23, so how did the phone sex hotline accept the charges on 6/24?

Also, 5/23-6/24 is a month. You say you cancelled it on 5/23, so then how is it you say that someone used the card for a hotline "after your card was cancelled for almost two weeks"

When was it really cancelled with the bank? If the bank authorized charges on a cancelled card, tell them and the hotline to both suck lint and figure it out. You shouldnt be responsible for any charges made on a "cancelled" card.

 

[edro]

You lie! You just want to get out of your drunken one night stand with Steamy Sally.

 

[Newbian]

Wait... people still call these places?

Have they not head of webcams?

 

[kami333]

Originally posted by: akshatp
You cancelled the card on 5/23, so how did the phone sex hotline accept the charges on 6/24?

Also, 5/23-6/24 is a month. You say you cancelled it on 5/23, so then how is it you say that someone used the card for a hotline "after your card was cancelled for almost two weeks"

When was it really cancelled with the bank? If the bank authorized charges on a cancelled card, tell them and the hotline to both suck lint and figure it out. You shouldnt be responsible for any charges made on a "cancelled" card.

I was in a situation where they were able to charge a card 2years after I cancelled the account. A call to the bank resolved the issue (they took a few days to pull the records since I had also closed my account too) but they mentioned something about certain transaction that could be charged regardless of the card status.

 

[Robsasman]

Originally posted by: akshatp
You cancelled the card on 5/23, so how did the phone sex hotline accept the charges on 6/24?

Also, 5/23-6/24 is a month. You say you cancelled it on 5/23, so then how is it you say that someone used the card for a hotline "after your card was cancelled for almost two weeks"

When was it really cancelled with the bank? If the bank authorized charges on a cancelled card, tell them and the hotline to both suck lint and figure it out. You shouldnt be responsible for any charges made on a "cancelled" card.

Yeah wtf, if you have proof you canceled the card it should be the banks problem the charge went through.

 

[xanis]

Originally posted by: Robsasman

Originally posted by: akshatp
You cancelled the card on 5/23, so how did the phone sex hotline accept the charges on 6/24?

Also, 5/23-6/24 is a month. You say you cancelled it on 5/23, so then how is it you say that someone used the card for a hotline "after your card was cancelled for almost two weeks"

When was it really cancelled with the bank? If the bank authorized charges on a cancelled card, tell them and the hotline to both suck lint and figure it out. You shouldnt be responsible for any charges made on a "cancelled" card.

Yeah wtf, if you have proof you canceled the card it should be the banks problem the charge went through.

I just noticed this is a 4-day bump, but whatever. The thing is, the charge DIDN'T go through. I received the bill because they tried to make the charge and it got declined, obviously because the card they tried was canceled. The bill they sent me is because they couldn't charge the card, and they want me to pay up.

 

[xanis]

More bumpage for more advice. Also, see above post.

 

[zerocool1]

Originally posted by: Xanis

Originally posted by: Robsasman

Originally posted by: akshatp
You cancelled the card on 5/23, so how did the phone sex hotline accept the charges on 6/24?

Also, 5/23-6/24 is a month. You say you cancelled it on 5/23, so then how is it you say that someone used the card for a hotline "after your card was cancelled for almost two weeks"

When was it really cancelled with the bank? If the bank authorized charges on a cancelled card, tell them and the hotline to both suck lint and figure it out. You shouldnt be responsible for any charges made on a "cancelled" card.

Yeah wtf, if you have proof you canceled the card it should be the banks problem the charge went through.

I just noticed this is a 4-day bump, but whatever. The thing is, the charge DIDN'T go through. I received the bill because they tried to make the charge and it got declined, obviously because the card they tried was canceled. The bill they sent me is because they couldn't charge the card, and they want me to pay up.

have you talked to your CC company?

 

[xanis]

Originally posted by: zerocool1

Originally posted by: Xanis

Originally posted by: Robsasman

Originally posted by: akshatp
You cancelled the card on 5/23, so how did the phone sex hotline accept the charges on 6/24?

Also, 5/23-6/24 is a month. You say you cancelled it on 5/23, so then how is it you say that someone used the card for a hotline "after your card was cancelled for almost two weeks"

When was it really cancelled with the bank? If the bank authorized charges on a cancelled card, tell them and the hotline to both suck lint and figure it out. You shouldnt be responsible for any charges made on a "cancelled" card.

Yeah wtf, if you have proof you canceled the card it should be the banks problem the charge went through.

I just noticed this is a 4-day bump, but whatever. The thing is, the charge DIDN'T go through. I received the bill because they tried to make the charge and it got declined, obviously because the card they tried was canceled. The bill they sent me is because they couldn't charge the card, and they want me to pay up.

have you talked to your CC company?

Not yet. I was waiting for the affidavit to come in the mail so I have all of my information together before I talk to anyone.

 

[akshatp]

Originally posted by: Xanis

Originally posted by: Robsasman

Originally posted by: akshatp
You cancelled the card on 5/23, so how did the phone sex hotline accept the charges on 6/24?

Also, 5/23-6/24 is a month. You say you cancelled it on 5/23, so then how is it you say that someone used the card for a hotline "after your card was cancelled for almost two weeks"

When was it really cancelled with the bank? If the bank authorized charges on a cancelled card, tell them and the hotline to both suck lint and figure it out. You shouldnt be responsible for any charges made on a "cancelled" card.

Yeah wtf, if you have proof you canceled the card it should be the banks problem the charge went through.

I just noticed this is a 4-day bump, but whatever. The thing is, the charge DIDN'T go through. I received the bill because they tried to make the charge and it got declined, obviously because the card they tried was canceled. The bill they sent me is because they couldn't charge the card, and they want me to pay up.

What??? Why did they let the phone call go through if the card was declined? That is ridiculous, your CC company/bank won't help here because they did their job and refused the charge. Why the phone sex company let the call happen is beyond me though.