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Table of Contents. Contact Your Credit Card Company. File a Police Report. Contact Your Bank. Change Your Automatic Payments. Monitor Your Credit Report. If someone uses your debit card without your authorization, you can report the incident to your local police for an investigation so that charges can be pressed if necessary.
In addition to also letting your bank know about the fraud, you can report the incident to the FTC. Credit card companies can track where your stolen credit card was last used, in most cases, only once the card is used by the person who took it. The credit card authorization process helps bank's track this. However, by the time law enforcement arrives, the person may be long gone.
Both of these situations are considered fraud. Takeovers occur when a fraudster contacts your card issuer and pretends to be you, then orders a new card to their address. Electronic devices, like skimmers, can be used by fraudsters to copy your card information when they use it to debit your account, and then reprint it on another card.
If a fraudster acquires your card number and uses it without the physical card present-e. Many card issuers mail out "pre-approved" credit card offers. A fraudster can intercept one of these offers and complete it to get a new card in their name. While credit card applications from major card issuers will require many different proofs of identity to finalize approval and prevent fraudsters from opening these pre-approved lines of credit, victims of identity theft should review their credit report regularly to avoid fraud.
If you think you see fraudulent activity on your card, however, don't hesitate to take action and contact your credit card issuer to make a report. You won't be liable for transactions made without your authorization, but it's important to put a stop to fraud as quickly as possible. This guide is just one of the many resources available to understand and combat identity theft-including credit card fraud.
Sometimes, the first evidence of credit card fraud is on your card statements. To maintain even more control of your card account, use your bank's mobile app or website to regularly verify charges. You can order one free credit report annually from each of the credit bureaus. Consider rotating your free credit reports: by getting one every four months, you can stay informed of any reported changes to your credit profile.
Shred any piece of paper that has your credit card number on it, and don't write down your card number anywhere that thieves might be able to access it. Also, be vigilant about protecting your card use online by only filling out card information on websites you trust. You can look for the lock icon in your browser's address bar to be sure you're buying from a secure site.
Credit card fraud can happen to anyone, so remember to practice good data management to keep your personal information out of fraudsters' hands. Cash back rewards are bonuses provided to customers when they use their cards to make purchases. Cash back rewards can take the form of dollars or points. It remains on your file for 90 days. A fraud alert protects you because it requires businesses to contact you before issuing credit in your name. Obtain a copy of your credit report.
Placing a fraud alert entitles you to a free copy of your credit report. Follow the directions on your fraud alert confirmation to obtain your credit report. You can also get a free credit report once per year from annualcreditreport. If you have already received your free credit report, you can pay any of the credit reporting agencies to receive an immediate copy of your credit report. Review your credit report. Note any unusual or suspicious activity. Look for unauthorized transactions on your credit card accounts.
Report any unauthorized credit activity to the credit issuer. Use information from your credit report when completing your police report and your report to the FTC. Method 4. Select the identity theft category. Then select the appropriate subcategory related to your case, such as data breach, lost wallet or purse or identity theft.
Follow the prompts to submit all of the relevant information about the crime. Give details about the identity theft. Provide the date on which you noticed the identity theft. Indicate how much time and money you have spent trying to resolve the matter yourself. Submit details about the credit issuer and the type of credit account that has been used.
Indicate whether you intend to file a complaint against the company. Tell whether you have been contacted by debt collectors about this account. Provide information about the person who stole your identity. If you know who stole your identity or fraudulently used your credit card, fill out what you know. Indicate how the person is related to you, if applicable.
Note how you think the person got a hold of your information. Tell whether or not you have contacted law enforcement. If you have filed a police report, include this information. Provide the date you filed the police report.
Indicate the name and location of the police department. Fill in the name of the officer who took the report. Provide information about fraud alerts. Indicate whether you have contacted any of the credit bureaus and placed a fraud alert on your file.
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