Am I liable for ccards that my wife applied for with my name and then charged up, and I never knew or charged?
371804
Yes.  Beat her....and then beat her some more.  Then make her pay for her crap.
962513
Call Shopping Essentials or whoever it is and inform them of the unauthorized charges.  If you are not getting any resolution from them, contact your credit card company to dispute the charges.  The vendor will have to provide a authorized signature slip or some sort of authorization to prove you made the charges.  If they fail to do this within 30 days, the charges may be removed.
730101
I would ethier put a stop payment for that account, or close the account all together. The transaction will appear on your statement. I would check into this right away. After you close the account, I would advise you to seek a lawer. You can take legal action againts this company. Charging without permision is called fraud. You may be able to get some of the money back if not most of it. depending on your credit card company you may be able to do a chargeback, that reverses the transaction.
457309
Yes.  What the company that charged off the credit card did, was to sell your contract (account) to the collection agency/attorney that is calling you.  They can take you to court and sue for a judgment against you.  If you own a house they can put a lien on it. They can also demand $35 a week (or the sum the judge says) until the debt is payed off. Or, attach your wages.\n\nYou do have rights regarding their right to call.  You could call your State Attorney General to find out your rights.  (I know, after a while you want to disconnect the phone and except calls from no one.  I found it very depressing.)\n\nThe best thing is to eventually negotiate a settlement with them.  I think it is better to do this before it goes to judgment.  Also, Stay up with the court procedures.  As soon as you get served go to the Court house and fill out the form "Appearance".  I think if you look like a fighter they will be more willing to negotiate to a lower settlement.\n\nI got a lot of help from:\n\nwww.creditinfocenter.com\n\nGood luck!
1140477
Start by reporting this to your credit card issuer. \n\nThen get a report from the major credit agencies: \n\nExperian   http://www.experian.com\nEquifax   http://www.equifax.com/\nTransUnion http://www.transunion.com/\n\nGet on it right away. You will be responsible for only $50 of illegal charges, but it takes time. Don't delay.
249123
Do NOT give your card # and exp. date to ANYONE but the credit card company!  Call the bank first thing in the morning, verify who you are and they should be able to clear this up.. if card is lost and stolen, report it immediately to keep from having any MORE charges on your account... that's how identity theft can ruin your credit.. good luck!
402229
Assuming that you used your credit card to make the purchase, just call your bank and dispute the charge. \nYou will get an instant 'temporary credit' back on your credit card.\n\nGood Luck....
963826
You contact the credit card company and they investigate it. sometimes it can turn out to be a parent company of something you charged. at other times it can be an error. but for example i have a bank of montreal mastercard so if i have an error on my statement i call them. if you have a store card you would call the head office etc. check the back of your card and see if there is a number. if not look up their web site online.
699098
You should have received statements from the credit card company showing this charge.  If statements were sent to an old address, you should have put in change of address notices with your PO.  \n\nIf you have a good lawyer, you probably won't have to pay.  But the judge will want to know why you didn't notify the credit card company of your change of address or, if you did, why you ignored statements showing the fraudulent charge.\n\nYou should also be concerned that whoever made that charge MAY have used your husband's name and SS#.  Unless additional charges have come through, it might be a mistake on the part of the credit reporting agency (Experian, Equifax) and they should be notified immediately of the situation.\n\nIt's ALWAYS a good idea to check your own credit report at least once a year... just to make sure that the debts being shown are legitimate.  You can get a free credit report annually, but even if there is a small fee, it certainly would have been worth it in this case.\n\nIt seems odd to me that you have not been aware of this fraudulent charge from so long ago.  Any loans you've made since then would have shown the debt and a loan officer would have probably remarked about it.
1080921
In other words, you lied and are now asking are you going to get caught?\n\nUnless the person you bought it from is willing to lie for you, and there is no record of what you paid (check, bank withdrawals, deposits, etc.) you should pay the fees.\n\nIf you tell more lies and they do investigate, they may very well put you in prison AND charge  you the fees.\n\nIt's your call; but,  I'd pay the fees.
542012
I would definitely contact my lawyer over this one. As you had moved, there might be a loophole you can slide through with. They do have the right to do this over a service charge, but if you weren't getting your mail, and they had made no attempt to contact you at your new address(assuming you had everything forwarded), there might be a chance of getting out of it. Good luck!
97244
Just call to your credit card customer service and\nask them.\nSome banks call  you and ask you before charge any\namount in the internet.\n\nGood Luck
606071
Just to let you know, every reported transaction is going to take you about an hour on the phone. This is going to be a pain in the butt. You need to dispute the accounts, (which you've done) now the angencys are going to need to prove that is infact you. They will do this by matching your DOB and ss# as well as your last 3 previous addresses. If they don't match yours the bill isn't yours, and it will be taken off. It takes some time ( a couple of months) so be paitent. If it isn't resolved in that time, you need to call each agency. Sorry but itentity mixups and theft are hard new.
792276
Contact your bank and dispute the charge.  It should be credited back to your while they are investigating whether or not it is a legitimate charge.
727745
Since the "product" was shipped in August, and received by the customer at about that time, why did it take 3 months for the customer to charge "fraud"?\n\nIt seems to me that since the customer has not returned the item, that they are merely trying to acquire a "product" without paying for it.  You should inform the credit card company of the facts, and indicate that you believe that they are aiding and abetting a fraud. \n\nNext find an attorney that would be willing to initiate a civil action against the customer and the credit card company. You can get a referral from the local bar association.
643722
cancell the card like now...and check if they billed you. If they did report as fraud. Get a new credit card
490112
Definitely call the credit bureaus & get rolling on this immediately!  I think they are Experian, TransUnion, and Equifax.  Get a copy of your credit report from each to see if any credit has been opened in your name recently that you did not apply for.  Call all your credit card companies as well & make sure there has been no activity on your account that you don't know about.\n\nThere are books at the library which give lots of tips on identity theft, so I'd highly recommend checking into those.  \n\nI believe you are supposed to file ID theft claims with the Federal Trade Commission, so try checking out their website or calling them. \n\nIf you're feeling really adventurous, go to the Walmart that called (if you know which one) & see if they have contact info for the person who filled out the application!  Then report this information to the FTC investigators.\n\nHere is a brochure on ID theft published by the Postal Inspection Service:  http://www.usps.com/cpim/ftp/pubs/pub280.pdf