Results 1 to 3 of 3

Hybrid View

  1. #1
    Join Date
    Jan 2008
    Posts
    1

    Default Billed For Charges On A Credit Card I Didn't Receive

    Hi Guys,

    This is my first post.

    I applied for Capital One credit card but didnt get the card on my mails,after 3 follow up phone calls,they said someone activated the card and used it couple of times.I signed a Fraud Information Form and filed a police report.After a week, I received a letter from Capital One stating that company's fraud department has completed their investigation claiming this account was activated from my home phone and they've found no indications of fraud. Now they said i have to pay $340. Do I really have to pay that? Is there something else I can do?

    Please can someone be kind enough to tell me what to do next. Any suggestion reply will be really appreciated.

    Thanks.

  2. #2

    Default Re: Need Help With Capital One Case

    This is pretty simple to solve. Either your home phone records will show a call placed to them on the day in question, or it won't. If your home phone records are clear, then you may have a good identity thief at work, complete with phone spoofing. If that's the case, get on your credit report ASAP and see what other possible accounts night have been opened, etc.

    If the call DID come from your home phone, you've got a bigger problem than $340 You have someone with access to your telephone who is willing to screw you over. Got roommates? Teenagers? Cleaning people? Vindictive ex?

  3. #3
    Join Date
    Mar 2005
    Location
    Michigan
    Posts
    28,906

    Default Re: Need Help With Capital One Case

    Phone records won't necessarily show a call to a toll-free number, and I've never seen an activation number that wasn't toll-free.

    You can also investigate the purchases - where they were made, and what was purchased.

    You should make a police report.

    (Note that I'm assuming your story is accurate. Don't make any false or misleading statements to the police.)

    1. Sponsored Links
       

Similar Threads

  1. Debt Collectors: Billed on Credit Card Account, Paid-Off and Closed Five Years Ago
    By XmasMan in forum Debts and Collections
    Replies: 1
    Last Post: 04-12-2011, 11:20 AM
  2. Debt Collectors: Can I Be Billed on an Expired Credit Card
    By uno123 in forum Debts and Collections
    Replies: 7
    Last Post: 10-04-2009, 11:31 AM
  3. Health Insurance: Covered for a Month but Didn't Pay Premium Because I Was Never Billed
    By eslmom1@optonline.net in forum Insurance Law
    Replies: 2
    Last Post: 08-08-2009, 04:36 PM
  4. Debt Collectors: Credit Card My Husband Didn't Get
    By Shawnypoo in forum Debts and Collections
    Replies: 1
    Last Post: 01-20-2009, 07:05 AM
  5. Debt Collectors: Being Sued For a Credit Card I Didn't Sign For
    By hippychic96 in forum Debts and Collections
    Replies: 3
    Last Post: 12-14-2007, 02:44 PM
 
 
Sponsored Links

Legal Help, Information and Resources