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Dingfod
01-19-2006, 04:23 PM
We kept a mess of credit cards (Mastercard, Visa, Discover, Home Depot, Phillips 66-Conoco-76, and the like) that we didn't normally carry on our persons in a zippered bank bag in the back of a desk drawer in our home office. The last time I looked in the bag was back in December after I got home from Wyoming when I put one of the cards I took with me in the bag.

When my wife got home from work Saturday night, she called me at work to tell me a credit card company had left a message about a fraud alert. First, I went online to their website only to find I was locked out, wanting me to call a toll-free number. I called it. After months of non-use, there had been four suspicious charges for small amounts of money on the card at gas stations, and one attempt for $330 at Walmart, all denied and the account locked. I knew these were fraudulent because this particular card hadn't been used at all in over a year.

When I got home Sunday morning I looked in the bank bag. All of the credit cards were gone, all of them. I got on the phone and contacted all the credit card companies. One other card had three charges totalling about $200 and then 4 other charges denied, including an attempt at getting $200 cash at the Cherokee Casino in Catoosa. I had set a notification limit of 3 transactions per day on this account when I set up my online access. Sure enough, there was an email notification of more than 3 attempts at using the card in my Inbox. Another card had 3 attempts, but the credit card company decided they were out of pattern for the account and denied all of them. None of the other accounts have had any reported activity.

I suspected our oldest daughter had a hand in it, at least in giving access to the person who did take them. She denies anything to do with it and suspects her now ex-boyfriend-of-the-moment because two of his friends were bragging Saturday night about having run up over $100 on some stolen credit cards. So, when I filed the police report last night, I gave them his full name and approximate address. The officer wanted the daughter to call him to give him more specific contact information. The officer didn't hold out much hope that anyone would be caught. Anyway, the ex-whatever is now persona non grata at Rancho Pobrecito. We don't deserve this.


By the way, we found out from the sheriff's officer that the thief we suspect stole our ATV last year is now serving a 27 year sentence in the state prison system for parole violation and for possession of stolen property. He awaits additional federal charges for a firearms violation (possession of a sawed-off shotgun).

cappuccino
01-19-2006, 04:29 PM
Oh man, that sucks, I'm glad your companies caught on to the suspicious activity and locked your cards. I think that daughter needs to be sit down and given a lecture about keeping your home safe and keeping watch on whomever she brings to your house. From what I've read about your daughter, she doesn't have one ounce of common sense.

Leesifer
01-19-2006, 04:32 PM
It does indeed suck, Warren.

Can you claim for the money that he was able to spend? I hope he didn't get away with too much.

livius drusus
01-19-2006, 04:33 PM
Do you think your daughter knew about it/was involved, or did she just let the low-lifes wander around the house less than well-supervised?

viscousmemories
01-19-2006, 04:38 PM
Damn that sucks, Warren.

Dingfod
01-19-2006, 04:40 PM
Under the Fair Credit Reporting Act, we are not responsible for more than $50 in charges on any card reported lost or stolen. Most credit card companies don't hold you responsible for any charges that are fraudulent. You see, the individual merchants will be the ones that end up writing it off, because they failed to check identification.

My daughter has definitely let low-lifes wander about the house while she was getting ready for work (at least a one-hour process). We are also guilty of not ensuring that doors are locked. In fact, we haven't been locking the front door at all. For one thing, anyone that wanted in could get in anyway by breaking a window. We live out in the country, nobody's going to hear it to report it anyway. Now, we're locking the door even when we're home.

Dingfod
01-19-2006, 04:41 PM
Basically, we're not taking any financial hit at all for this, only a pain in the butt.

TomJoe
01-19-2006, 04:56 PM
Sounds like you need a large dog, that has a pretty fierce growl and an even fiercer bite.

I have an alarm system on my rental, but I think my GSD peering out between the vertical blinds of my front window does more to ward off trouble than the alarm stickers on the door.

Legs
01-19-2006, 04:57 PM
That's rough Warren, really rough... hugs for you and inlandwave :hug:

I hope your daughter is not involved and just denying it and it's great that you caught it all early while the charged amounts were low.

Time to look around the house and see if anything else is missing, old jewelty etc...

Waluigi
01-19-2006, 05:06 PM
Why have all the credit cards to begin with? Other than a high-limit one to lock up for big purchases, and a low-limit one to carry on your person, why do you have all the cards?

We only have one credit card (one account, and a card for each of us). We also have a couple store charge cards, but we keep those tucked away for very occasional use.

MonCapitan2002
01-19-2006, 05:22 PM
I am glad you don't get fucked over financially for the thief's actions.

Dingfod
01-19-2006, 05:25 PM
Why have all the credit cards to begin with? Other than a high-limit one to lock up for big purchases, and a low-limit one to carry on your person, why do you have all the cards?Procrastination. I open new accounts to take advantage of their introductory balance transfer rates then never close the account.

Anastasia Beaverhausen
01-19-2006, 06:46 PM
I'm sorry, Warren, I know how it is. I've had my bank card and checkbook stolen before.

BTW, just so you know: My parents recently found out that having a bunch of credit cards that you don't use will have a negative effect on your credit rating.

Dingfod
01-19-2006, 06:53 PM
I know. My credit score has slid downward by 40 points in the last four months and I have no negative marks or late pays at all. I said it was procrastination.