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  1. #11
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    Sep 2005
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    California
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    Default Re: How to Respond to Identity Theft

    Quote Quoting qwaspolk69
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    I have reported fraudulent charges on my account and never had to make a police report. I noticed some weird charges, I told them I did not make them. They investigated. I got refunded the money.

    I should have said legally not a victim...that is what I meant once it is resolved.
    While a retailer may not require them, and there might even be a credit card company that will not do so for some smaller amounts, I have never come across a bank that does not require it. But, if they don't require a report and still refund your money, all's well, I suppose.

  2. #12
    Join Date
    Sep 2013
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    312

    Default Re: How to Respond to Identity Theft

    Quote Quoting cdwjava
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    While a retailer may not require them, and there might even be a credit card company that will not do so for some smaller amounts, I have never come across a bank that does not require it. But, if they don't require a report and still refund your money, all's well, I suppose.
    Chase bank doesn't require it.

    About 6 months ago, I was notified within hours of charges made on my card in another state. They immediately refunded the balance, no police report necessary.

    It could (and probably does) depend on the amount. About $5000 was charged and refunded, so I imagine anything more than that would require a report being made.

  3. #13
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    Sep 2005
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    California
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    Default Re: How to Respond to Identity Theft

    Quote Quoting Pringle
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    Chase bank doesn't require it.
    First bank that I have heard of that does not. Though, that may be because they have few local branches. It may also be the state where you are located. I have yet to have a bank NOT require a report for fraudulent activity that was NOT related to a credit card.

    About 6 months ago, I was notified within hours of charges made on my card in another state. They immediately refunded the balance, no police report necessary.

    It could (and probably does) depend on the amount. About $5000 was charged and refunded, so I imagine anything more than that would require a report being made.
    Since this was Chase, was this a Chase Visa card? If so, then that is why - it's a credit card issue, not so much a bank one. Bad checks, debit transactions, and fraudulent lines of credit tend to require a report (at least in my experience ALWAYS), credit card issues, not so much.

    From personal experience, when I had fraudulent transactions on my Chase Visa I did not have to make a police report. But, when I had them on my local bank's Visa/debit card I did.

  4. #14
    Join Date
    Sep 2013
    Posts
    312

    Default Re: How to Respond to Identity Theft

    Ahhhhh that would explain it then. Chase Visa, correct.

  5. #15

    Default Re: How to Respond to Identity Theft

    Thanks for all the info and responses. I know relating personal stories allows us all to not feel so isolated, since we have shared experiences. I do have one thing that's still gnawing at me a bit though.

    I spoke with one investigator that said even though my police department is to small (meaning they won't investigate the charge which happened in California), the local police there might. Problem is, I need to get the IP address from the company the charge was made through in order to know the jurisdiction. They still won't give it up without a subpoena. Is there any way at all get a subpoena issued another way? Or does that always have to go through the courts (meaning a judge and prosecutor has to be involved)?

  6. #16
    Join Date
    Sep 2005
    Location
    California
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    20,594

    Default Re: How to Respond to Identity Theft

    Quote Quoting isitlegalmk
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    Thanks for all the info and responses. I know relating personal stories allows us all to not feel so isolated, since we have shared experiences. I do have one thing that's still gnawing at me a bit though.

    I spoke with one investigator that said even though my police department is to small (meaning they won't investigate the charge which happened in California), the local police there might. Problem is, I need to get the IP address from the company the charge was made through in order to know the jurisdiction. They still won't give it up without a subpoena. Is there any way at all get a subpoena issued another way? Or does that always have to go through the courts (meaning a judge and prosecutor has to be involved)?
    No, the local police in CA are not going to investigate an offense that originated in another state. Out here, the offense is likely a misdemeanor and there will be a question of jurisdiction and the costs to bring a witness to CA (you) even if they do manage to get a suspect identified and charges filed.

    It's a long way to go and a lot of work for a case that will almost certainly be rejected by the DA. Property crimes are pretty much a Mulligan in CA these days, sadly.

    As for a subpoena, you need a court case to get one. If there was a criminal filing, then the DA or the police could get it. If there as a civil suit, YOU could get one. But, if there's no one to sue or prosecute, then the state would have to seek a search warrant. Not likely to happen unless things are exceedingly slow where you are and the cops have a lot of time on their hands.

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