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Credit Card Fraud Questions

Credit card fraud occurs when a credit card is used fraudulently and funds are gained by the act. Generally, the fraud is committed as an attempt to gain goods without having to pay for them. This type of theft usually begins when a credit card is stolen or credit card information is acquired. Credit card fraud can usually occur without the card holder's knowledge. Of course when unauthorized use of the card is noticed, the thief could have had the card information for days or weeks. Below are just a few of the more commonly asked credit card fraud questions that have been answered by Experts.

Can I be charged for credit card fraud if I was authorized to use the card and the other person is denying he authorized it?

Without being listed as an authorized user on the credit card or at least have permission from the account holder in writing, you are going to have a hard time proving that you were given permission. You will have to show some form of proof that you were actually given permission. If you have nothing in writing, then maybe there were people around you when the card holder gave you permission to use the card. If there are witnesses, you can get written statements and you can give this documentation to the police. If there are no witnesses, you will need to provide some other type of evidence that would show you were given permission to use the card. Perhaps the card hold has let other people use the card as well (without written consent). Has the card holder made accusations about unauthorized card use in the past? Something as simple as a cell phone bill that shows a call between you and the card holder that corresponds with the use of the card could help your case. At this point, all you have is your word that you were given permission. You need to find evidence that you were given permission. You may not be charged if you can present enough proof in your defense.

What would be the penalty for credit card fraud in Texas equaling just under $10,000?

The penalty for credit card fraud that results in an obtained value of $1,500-$20,000 is a felony that is punishable by 6 months to 2 years in jail and/or a fine of up to $10,000. This doesn't mean that you would serve jail time; this is the punishment for the crime. Before sentencing, the court will look at your criminal history, any attempts that you have made at paying the money back (restitution) and how cooperative you were in the investigation.

My son was arrested tonight for credit card fraud and theft. What do we need to expect at court?

If you want to know the exact charges against your son, you can go to the court clerk's office and look at a copy of the warrant that was issued for your son. Don't expect too much information other than the charges. Your son will go before a judge for an arraignment tomorrow and a preliminary hearing will be set. Once your son has a preliminary hearing set, you need to find an attorney to represent him.

I've been accused of credit card fraud and the card belongs to my mother, what will happen? Will I be arrested?

While the credit card company could file criminal charges against you, ultimately it would your mother who would probably take action against you since it was her card you used. You should probably ask your mom what she plans on doing about this situation. The credit card company probably won't seek criminal charges unless your mother is in agreement with them. If she wanted to, your mother could file charges against you which could result in jail time of 5-15 years. Repeat offenders could expect to spend up to 20 years in prison for credit card fraud.

Credit card fraud can carry stiff penalties and can ruin a person's future. Being a victim of credit card fraud can be a nightmare as well. If you have questions about or find yourself involved with credit card fraud, you should ask an expert for assistance.
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Recent Credit Card Fraud Questions

  • In CA. Spouse and I are victims of a well organized ID theft

    In CA. Spouse and I are victims of a well organized ID theft ring. They have all our info, and while we have stayed one step ahead of them (they have only obtained maybe $3k) they are now calling family, friends, us at work, us at home. They even spoof our credit card fraud department phone numbers! We have followed everything we are suppose to do - credit freeze, trying to get all inquiries removed from report, police report, FCC, contacted banks, credit cards, investments, etc. Unfortunately, these institutions keep giving information even with fraud alert, issuing new cards etc to the thieves. We spend at least 10 hours a week working on this.
    We have read horror stories about obtaining new social security numbers and the negative impact. But since these thieves have all our data not sure what else to do.
    My question - what about a legal name change (can you get it sealed not in public record) and maybe even date of birth (change by a few days) so records that thieves have no longer match. If so what type of attorney do we hire - we are both extremely busy professionally.
  • I appeared in a case in Queens County Court in March 2006 and

    I appeared in a case in Queens County Court in March 2006 and took paperwork submitted by my attorney to plea that Charges claimed on my Credit card account were neither mine neither authorized by me. in pretrial conference I was told by court representative that case against me was being dismissed. Since 2006 I had moved twice to new address,
    Thee attorneys sent a copy of judgement to my attorney who says he no longer represent me due to being case too old but the credit card bank attorney are holding judgment against me issued by Civil court in Jan/Feb 2013 when I was not informed of any court motion. Now thy have gone forward to garnish money from my bank account as well as my salary. The original fraudulent charges were @ $1000.00. The are trying to collect @ $3100.00 from me.
    Since I became aware of judgement in May 2014 I had written express mail to plaintiff's attorney and court to allow me some time to file for appeal but they are working to garnish my salary.
    I never used the card for purchase or authorise anyone to use it. I want this judgement be reversed and have collection effort to stop
  • Hi, I was contract for PR work from someone. I had a contract

    Hi, I was contract for PR work from someone. I had a contract for one month. At the end of the month, my work was verbally extended into a production role where I went on the road with the organizer of the events for 3 weeks. Over the course of that time, I asked for a written contract and was told it was being worked on, but i never received one. I have lots of evidence that I was conducting work on their behalf. Two weeks into the gig, the Organizer asked to borrow my credit card so he could reserve a hotel room. We had been staying at various hotels as we moved from city to city. He claimed he was going to use his when we checked out the next day because his daily limit was reached. I was suspect after I gave him my card and things took a turn for the worse. I ended up leaving the trip early, on my own dime because I was not paid on the date I was promised. He lied and told me he had sent me money via ACH transfer from LA, and even gave me a fake authorization number. Two days later, after more lies, he said it ended up back in his account. When I came home and googled this guy, I found out he had been in federal prison in the 90s for credit card fraud. Among other things, he has used people's credit cards and has had lawsuits filed against him. He now owes me $4300, some of which is on my credit card for travel expenses like my air fare home. I called the hotel and verified that he never gave them his card to check out and both room charges were on my card. My question is, what is my best course of action to recoup my money? Should I go to the police and file a charge for credit card fraud? My goal is to get my money back that is owed me and not let him continue to scam people.
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