Thursday, September 22, 2022

How To File A Police Report For Credit Card Fraud

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What You Should Know About Reporting Your Credit Card Fraud To Police

Liberty Hill police urge victims to report credit card fraud, not post on social media

If your identity has been stolen or your credit card has been hacked, you definitely need to report these instances to your local police department. But in order to do that, there are a couple of things you need to do first to keep from making extra trips back and forth to the police station.

The first thing you need to do is to file a credit card fraud affidavit with the Federal Trade Commission. This affidavit will serve as an official written statement of the credit card fraud issue, and you will copy this document for the police report and the report you will file with the credit bureaus.

Your credit card issuer will send you an affidavit of credit card fraud, or to save time, you can get one directly from the FTC, just download, print as many copies as you need, and fill them out accordingly. Be sure you

  • Sign and date in the presence of a notary or law enforcement.
  • Do not leave any information out. Make sure every numbered item on the affidavit has been addressed.
  • Be as detailed as possible about the specific incident you are reporting. Leave nothing to chance, and even the most minute detail can be beneficial.

Now your credit card fraud affidavit is complete, and you can now involve local law enforcement.

What To Do If Your Identity Has Been Stolen

If you are a victim of identity theft, the FTC recommends taking the following four steps as soon as possible.

  • Place a fraud alert on all your credit reports.
  • Close the accounts that have been tampered with or opened fraudulently.
  • File a complaint with the FTC.
  • File a police report.
  • As you work through these steps, it’s important to keep a record with the details of all your conversations and copies of all correspondence.

    How To Use Donotpay To Learn About Police Investigations Of Credit Card Fraud

    DoNotPay was designed to level the playing field and make important information available to the masses. If you have been victimized by a credit card fraudster and you need some further information on the matter, just follow these easy steps on the DoNotPay identity theft product page.

    DoNotPay can help you

  • File an official report with the FTC
  • Alert state agencies about unemployment insurance fraud
  • Alert the U.S. Department of Justice’s National Center for Disaster Fraud about unemployment insurance fraud
  • Contact the IRS about tax fraud
  • File a police report
  • Contact the credit bureaus to set up fraud alerts and freeze credit reports.
  • Getting the ball rolling with the local police

  • Search “identity theft” on DoNotPay and select the type of incident you would like to report.
  • Tell us more about the incident that occurred, including the location, date, time, financial loss, and any suspect information you may have.
  • We’ll identify whether you should file an FTC report, contact the IRS, freeze your credit report, contact state agencies, or file a police report. Once we guide you through the best options, we’ll automatically submit the reports on your behalf.
  • And that’s it. DoNotPay will make sure your issue gets sent to the right place. We’ll upload confirmation documents to your task for you to view, and if the contacts need more information, they will reach out to you personally via email or mail.

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    Citizen Online Report Entry

    • Requires IMMEDIATE police attendance or a lengthy on-scene investigation
    • Is related to Domestic Violence
    • Involves an Emotionally Disturbed Person
    • Involves the reporting of Theft of E-Bike
    • Is motivated by hate bias

    Please call the Toronto Police at 416-808-2222 and DO NOT submit your report online.If this is an emergency, please call 911.

    In order for the Toronto Police Service to process your CORE report, the following information is MANDATORY

    • Your EMAIL ADDRESS, PHONE NUMBER and other contact information.
    • The INCIDENT START AND END DATE
    • The LOCATION of the incident, including the place or area your property was believed stolen.
    • Please CREATE A SEPARATE PROPERTY ENTRY for EACH piece of property that you are reporting stolen.

    The accuracy of the information you provide in the report greatly assists the Toronto Police Service in investigating your report. Please ensure it is as COMPLETE AND CONCISE as possible.

    If you have filed a report online and would like to add/change/update your report, please submit a Supplemental Report.

    It is the policy of the Toronto Police Service to not accept reports of non-emergency incidents that occur outside of the City of Toronto.

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    Signs That You May Be A Victim Of California Credit Card Fraud

    Useful Guide on How to Report Identity Theft

    Keeping a close eye on your financial information is one of the first lines of defense against California credit card identity theft. To avoid becoming the victim of credit card fraud, watch out for the following signs:

    • Contacts from debt collectors regarding debts that do not belong to you
    • You stop receiving your bank or credit card statements
    • You spot suspicious charges on your credit card
    • You find suspicious withdrawals from your bank account
    • You receive notices from your bank about suspicious transactions
    • Products are delivered to your home that you did not order

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    What Happens When You Report Credit Card Fraud

    When you call your card issuer to report credit card fraud, the representative will ask you questions and then usually deactivate your compromised card and card number. Youll be issued a new card, which will generally be sent to your home address. If you need the card urgently, be sure to say so as the issuer may be willing to overnight you the new card.

    Usually, calling your card issuer is all you need to do if you detected unauthorized transactions on just one card account. But, its a good idea to check your credit report, keep an eye on your other accounts and bank statements and regularly change your online passwords. When you check your credit report, look for unfamiliar inquiries, new accounts you didnt authorize or addresses where youve never lived as these can be signs that someone has stolen your identity. And, make sure you recognize all activity on your accounts and bank statements. If you notice any issues, take appropriate action quickly as you could be a victim of identity theft.

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    How To File A Police Report For California Credit Card Identity Theft

    Creating a record of your California credit card fraud case may be vital to proving your case to your creditors and credit bureaus. It may also help in preventing future cases of identity theft. To file a police report about California credit card fraud, follow the steps listed below.

  • Go to your local California police station.
  • Request to report identity theft in the form of California credit card fraud
  • Present your credit report showing items related to
  • You may redact any other items not pertaining to the fraud case
  • Request a copy of your police report
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    How To Detect Fraud

    Checking statements and account activity regularly, line by line, can help you spot fraud. Sometimes, it will be glaring for instance, a $250 charge in New Mexico, when youve never left Ohio. Other times, it may be more subtle.

    Fraudsters often test out small amounts, even pennies, to see if they can get away with using your card, says Grogan. A pending charge for $1.99 might signal someone is gearing up to go on a spending spree, she says.

    You want to report in a timely manner, which means as soon as possible.

    Immediate Steps To Take

    Multiple Lockhart residents report credit/debit card fraud after using locally
    • File a report with the police/sheriff in the jurisdiction in which you live and get a copy of the report for the credit reporting agencies, banks and credit card companies. You can file the report at the police station or file online.
    • In Denver, you can file at www.denvergov.org/policereport.
    • You can also complete the ID Theft Affidavit provided by the Federal Trade Commission at www.ftc.gov.
  • Cancel each credit, ATM, debit card. Promptly report lost or stolen credit, ATM and debit cards to the issuing bank within 60 days of your monthly statement to limit your liability for unauthorized charges or withdrawals. If reported within 60 days, your liability under federal law for unauthorized charges on these cards may range from $0 to $50, but possibly up to $500, depending upon the type of card, length of time taken in reporting the loss or theft, and the issuing bank. If the loss is reported beyond 60 days of the monthly statement you may be liable for more unauthorized charges or withdrawals from your ATM or debit cards. Beware of callers selling credit card protectionyou dont need this as long as you monitor your credit card statements for evidence of fraudulent activity.
  • Contact your financial institution and cancel all accounts and PIN numbers. Stop payments on outstanding checks.
    • Consider placing a Security Freeze or Fraud Alert on/in your credit reports. See below.

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    How To Protect Yourself From Credit Card Fraud

    While fraud is frightening, there are simple steps you can take to preserve your credit and financial wellbeing. These include:

    • Checking your credit report at least once a year: Look into your directly from TransUnion and Equifax at least once every year. Ensure that all the charges are accurate. If you suspect foul play, take action.
    • Keeping your pin and passwords safe: It is important to never share your passwords or your pin number. This offers a basic level of security and prevents many issues if your card is lost or stolen.
    • Use your information responsibly: In general, do not issue personal information over the phone or the internet. This includes, but isnt limited to, your date of birth, social insurance number, credit card details, and address. If you are in doubt as to whether to provide the information, wait, check their credentials, and either call back or return to the website when you are certain of its ethical nature. Its always best to be cautious.

    What Is Fraud What Isnt

    At its basic level, fraud is any transaction thats not authorized by the cardholder, says Matt Freeman, head of credit card products at Navy Federal Credit Union.

    An important second element, says David Pollino, senior vice president and deputy chief security officer at Bank of the West, is that the charges must not benefit you.

    In other words, if your spouse went into your wallet without your knowledge and used your credit card to pay the phone bill, thats not reportable. It may be unauthorized, but you were receiving a benefit, so it isnt fraud, says Pollino.

    Other cases of mistaken fraud include when consumers dont remember or dont realize that they authorized a purchase, says Eileen Grogan, assistant vice president of payment solutions at Affinity Federal Credit Union.

    People think theyre signing up for a free trial of something, but embedded in the terms and conditions is a recurring order of an item, she says. In such cases, you will have to fight with the merchant directly, unless the merchant makes it extremely difficult to cancel, which is when youd call your card issuer for help.

    Finally, before you jump to fraud conclusions, be aware that merchant names sometimes appear differently on your statement. If youre not sure about a transaction, Grogan suggests looking for the phone number listed under the merchant name on your statement. A quick call to that number can often help jog your memory , she says.

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    Are You Liable For Unauthorized Charges On Your Credit Card

    One fear when you see unauthorized charges on your credit card is that you might be liable for those charges. Luckily, the Fair Credit Billing Act limits your liability. Specifically, the Federal Trade Commission notes that:

    Under the FCBA, your liability for unauthorized use of your credit card tops out at $50. However, if you report the loss before your credit card is used, the FCBA says you are not responsible for any charges you didnt authorize. If your credit card number is stolen, but not the card, you are not liable for unauthorized use.

    In other words, if you keep your physical card in your possession or youre able to report that your card is stolen before its actually used, you wont be liable for any charges. Even if the physical card is stolen and charges are made before you report the theft to your card issuer, youll only be liable up to $50. In fact, many cards go a step farther by offering a fraud liability benefit that means you wont be responsible for any unauthorized charges if your card is lost or stolen.

    If Youve Been Scammed

    How to Report Credit Card Fraud

    If you think you may be a victim of a fraud or scam, there are some key steps you should take immediately to reduce your risk of losing more money, protect your personal information and avoid being scammed again.

    You should:

    • stop all communication with the fraudster or scammer
    • report the scam or fraud to your local police, the Canadian Anti-Fraud Centre and any regulatory bodies
    • notify financial institutions and other companies where you have an account that may have been affected
    • avoid making any major financial decisions until you feel youve taken action to secure your accounts
    • put an alert on your credit report by contacting a consumer reporting agency, such as Equifax Canada or TransUnion Canada
    • gather all records you have of the fraud or scam, such as:
    • correspondence with the scammer
    • financial statements

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    Are Your Cards Protected Against Fraudulent Charges When Youre Traveling Internationally

    As a credit card holder, you have protection from fraudulent purchases. But what happens if you travel overseas? Are you covered by the same fraud liability protections that credit card companies routinely provide to cardholders in the U.S. while abroad?

    The good news? You are. The liability protection that credit card providers offer is tied to consumers credit cards, not to their location.

    These are a few steps you can take before traveling to prevent fraudulent charges, and/or if you notice a suspicious charge or activity on your card while overseas:

    When You Receive Your Personal Identification Number

    • In the event the sealed package containing your PIN is compromised, please contact our Customer Service immediately at / .
    • Memorise your Personal Identification Number immediately and destroy the PIN advice.
    • It is advisable to go to the nearest HSBC Amanah branch to change your PIN and do not use sequential numbers and obvious numbers, such as your telephone number, ID number, date of birth, driving licence, passport or other easily accessible personal information as your PIN
    • Change your PIN regularly for precaution.
    • Do not disclose your credit card-i details or PIN to any other person, including any employee of the Bank.
    • Do not write your PIN on the credit card-i or on anything kept in close proximity with your credit card-i.
    • Do not allow anyone to have access to your PIN.

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    How Credit Card Fraud Happens

    • make a purchase at a place of business
    • make a purchase or transaction online
    • make a purchase or transaction by telephone
    • withdraw money from an automated teller machine

    A person can steal your credit card or credit card information by:

    • going through your garbage or mailbox to find credit card statements or other banking information
    • swiping your credit card through a device that copies the information stored on the magnetic stripe of your card
    • hacking into the computers of companies and stealing credit card information
    • installing small devices on payment terminals that record your credit card information
    • phishing, that is, sending you an email that looks like it comes from a real business asking for credit card information
    • asking you to use your credit card on an illegitimate website to make a purchase

    How Filing A Report Helps Protect You

    Gaston County Police warn of credit card scams

    Why is it important to report identity theft? If you are a victim of identity theft, it means someone has taken your personal information and used it to commit fraud in your name.

    Heres how filing a report helps:

    • It acts as a declaration of your innocence.
    • It helps start the investigation.

    A police report serves as sworn statement that you were not responsible for any crimes the thief committed using your name. If someone accuses you of a crime committed in your name, you can show them your sworn statement.

    Filing an Identity Theft Report at IdentityTheft.gov serves a similar function, in most cases. Its an official statement about the crime.

    Important to note: The FTC recommends filing an Identity Theft Report first, and including it when you file a police report.

    Keep in mind, with either report, youre legally obligated to tell the truth to the best of your knowledge. If you dont, you could face criminal penalties.

    Steps to take when reporting ID theft to the police

    If you decide you want to report identity theft to the police, here are steps you can take.

  • Go to your local police office, as well as to the police office where the fraud took place, with this information:
    • A copy of your FTC Identity Theft Report
    • A government-issued photo ID
    • Proof of your address, such as a mortgage statement or utilities bill
    • Any proof you have of the theft, such as credit card statements, IRS notices or collection notices

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