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    Credit Card Fraud?

    Does anyone know what the M.O. is for credit card companies when fraud has been reported? Do they always or typically notify the police or do they often just try to handle it in a non-criminal manner just trying to get their money back from the individual.

    My mom had ~$1,000 charged fraudulently to her card and it was done by a family member. I'm trying to determine if there might be a warrant out for the family member, and if so, how I can find out where the warrant was issued.
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    Assuming I woke up itsagoodday's Avatar
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    Originally Posted by Payton1221 View Post
    Does anyone know what the M.O. is for credit card companies when fraud has been reported? Do they always or typically notify the police or do they often just try to handle it in a non-criminal manner just trying to get their money back from the individual.

    My mom had ~$1,000 charged fraudulently to her card and it was done by a family member. I'm trying to determine if there might be a warrant out for the family member, and if so, how I can find out where the warrant was issued.
    If I were you, I'd contact the local police in your mom's area and talk to them. I don't think credit card companies would report it to the police themselves, but even if they did, they would have no information on a warrant. It may be the kind of situation that belongs in a small claims court anyway.
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    Originally Posted by Payton1221 View Post
    Does anyone know what the M.O. is for credit card companies when fraud has been reported? Do they always or typically notify the police or do they often just try to handle it in a non-criminal manner just trying to get their money back from the individual.

    My mom had ~$1,000 charged fraudulently to her card and it was done by a family member. I'm trying to determine if there might be a warrant out for the family member, and if so, how I can find out where the warrant was issued.
    Your Sheriffs dept will tell you if someone has a warrant.
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    Originally Posted by itsagoodday View Post
    If I were you, I'd contact the local police in your mom's area and talk to them.
    Yep, need a police report to get the $ back, happened to me years back.
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    Originally Posted by eomrat View Post
    Your Sheriffs dept will tell you if someone has a warrant.
    That's what I was wondering. If we live in City A but the credit card company is located in City B, then who/where would they notify that a crime has been committed?
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    Originally Posted by Bando View Post
    Yep, need a police report to get the $ back, happened to me years back.
    If it is credit card fraud, the credit card company should investigate and once proven fraud, it will credit the account the lost funds.

    However, the credit card company may as you say, request a police report. Nevertheless, both the credit card company and police need to be notified.
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    Your mom needs to go the police station and file a report. The credit card company won't do it. I had an incident recently where the card company denied my fraud claim until I sent them a copy of the police report.
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  8. #8
    Finally accused of juicin Corbi's Avatar
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    I have had 2 instances of CC fraud but they were both over seas and occurred months after I had returned. In each case I contacted the CC company and they handled it and removed the fraudulent charges. I have no idea how it works in the USA and especially when it's a family member pulling this crap.
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  9. #9
    Common sense/moderation. gbullock32's Avatar
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    Originally Posted by Payton1221 View Post
    That's what I was wondering. If we live in City A but the credit card company is located in City B, then who/where would they notify that a crime has been committed?
    Usually it is the police in the area the crime was committed, but the warrant shows up across the State (at least in CA it will).

    I have had my card stolen more than a few times, and even got emails from stores they were used at with shipping info (name/address) of the person who stole it. I report it to my card company and let them decide how to handle it.
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  10. #10
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    Thanks guys. I took over my 82 year old mom's finances 13 months ago. I have many credit card statements but not all. I have some correspondence from the credit card company but not all. I checked the records again and here's what I know:

    * The fraud occurred in Feb/Mar of 2018
    * My mom must have claimed fraud after receiving those statements and a $900 credit was given to her
    * In September, my mom received a letter stating that she "accepts responsibility" for those charges and they were added to her September statement

    I'm assuming that they investigated the fraudulent charges, found the responsible family member, and was going to prosecute. Either my mom voluntarily agreed to accept the charges or the family member pleaded with her to do so or else she was going to be prosecuted. My mother is a great lady (arguably "was" a great lady as she's in the early stages of dementia and her best days are behind her), but she is not opposed to lying to me on occasion and will OFTEN just not tell what she knows. So I had no idea any of this was going on.

    If any of you have an older parent that's transparent with their finances, that's great. I struggled for a while as to what I could or should ask her when I thought she was a competent adult. When I noticed that her spending habits had changed significantly (i.e., buying LOTS of crap off QVC and HSN), I tried to get her to talk about her finances but she refused. When she finally decided to discuss SOME of it with me, it was too late. She had p!$$3D through a $20,000 CD, and after I encouraged her to cash in two whole life insurance policies totaling $12,000, she managed to p!$$ through that too 13 months ago she turned all of her finances over to me and with exception of short-paying two credit card companies, all bills are now paid on time and she even has a slight surplus that is used for the occasional "life happens" emergencies.

    We occasionally receive calls from someone looking for the family member in question. While they wouldn't be specific, they did mention their interest was due to "fraud," and I thought that it might have something to do with my mom's credit card bills. I don't think there's a statewide means of determining who has warrants against them or not, but I tried the county that this person lived in and learned there were no outstanding warrants. I can't recall if I tried or if I was successful in learning if this person had any warrants against them in my mom's county, but that's worth revisiting.
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    Squats and Milk Bando's Avatar
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    So did you have a plan for burial/final expenses when you encouraged her to cash in her whole life policies?
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    Common sense/moderation. gbullock32's Avatar
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    Sounds like they contacted your Mother with the information or knew she was aware of who did it and gave the offer of paying it off or they would go after the one who committed fraud. Now they might still be after them to pay other fees without going for a warrant and try to settle it in a Civil Case or perhaps they found this person has committed more fraud.

    To be honest, $900 is not enough for a company to really care, but if this person did this multiple times, to many people, then it could become an issue.

    While I do not know your state, California uses CLETS (California Law Enforcement Telecommunications System) and if you have a warrant it will show in there statewide.

    So my guess would be this person committed other fraud and that caused the company/s to go after them, likely trying to get them to pay, or offer them a deal to pay or be prosecuted.
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    Originally Posted by Bando View Post
    So did you have a plan for burial/final expenses when you encouraged her to cash in her whole life policies?
    Yes. She's got two other policies that have premiums deducted monthly from her checking account. There's no cash value on either, but the value at death total enough to bury her.

    Her heart was in the right place when she bought all of those policies. Her husband (my dad) died two months after I graduated high school and then she gets breast cancer a couple years after that. She bought several of those ~$10,000 life insurance policies with "no medical exam needed" to look after me (who was still in college) and my sister. And if anyone needs to hear a successful cancer story, she's been cancer free for over 30 years even though the cancer was found in a few of lymph nodes they biopsied.

    Originally Posted by gbullock32 View Post
    Sounds like they contacted your Mother with the information or knew she was aware of who did it and gave the offer of paying it off or they would go after the one who committed fraud.

    While I do not know your state, California uses CLETS (California Law Enforcement Telecommunications System) and if you have a warrant it will show in there statewide.
    I think you're right, and the state is KY. I'll try to find out if they have something similar from a statewide reporting standpoint.
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    Weak and foolish OldFartTom's Avatar
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    Apart from beating cancer.. the rest of the story made my heart sink. Sounds terrible situation from several angles. Hope that somehow things get straighten out. Thoughts and prayers to you and your mom
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    Originally Posted by OldFartTom View Post
    Apart from beating cancer.. the rest of the story made my heart sink. Sounds terrible situation from several angles. Hope that somehow things get straighten out. Thoughts and prayers to you and your mom
    Thanks for the kind words and prayers, but note that her story gets worse The month my mom started chemo, she found out my sister was pregnant out of wedlock (a big deal in 1986) AND we had to euthanize our family dog after 14 years. My sister called my mom to tell her about the pregnancy while she was on the way to her first chemo treatment. The nurse initially refused to go through with the treatment because she said my mom's blood pressure was "sky high." Mom told the nurse to give her a few minutes to calm down which she did.

    I've had a few rough patches in my life, but we sometimes forget or just don't know about the enormous stress that some of our older relatives went through.
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    Originally Posted by Payton1221 View Post

    I've had a few rough patches in my life, but we sometimes forget or just don't know about the enormous stress that some of our older relatives went through.
    Words that all of us should consider more often.
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    Sounds to me like mom does not need credit cards.

    Maybe one with a low limit to buy the occasional stuff but no reason to have giant balances on them.
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