fraudulent use of debt card?
603602
If it's a joint account, she has just as much right to the money in there as you do.  Sorry, but you're stuck.  She doesn't need your authorization.\n\nFirst thing to do:  close the joint account, and open an individual one -- if you're divorced, there's no reason (and as you've found out, lots of downsides) to have a joint account.  Get any other assets that are in both of your names settled and put in either your name or hers (don't violate your divorce agreement in so doing!).  Once you've taken the steps to eliminate any joint assets, only then can you go after her if she uses some of your assets without your permission (but she shouldn't be able to do so anymore...).  Good luck.
492855
No.They are saying you needed your card number.Don't go to the site EVER again!
120373
Its a piece of mind.  Don't spend what you don't have; avoid using credit cards.
37131
i would be careful.  they are trying to "reage" the old debt.  See on old debt time runs out that they can contact you, and also put it on your credit score, so they are trying to keep coming after you.\n\nIf it is your debt think about paying it off, if for some reason it is debt that is not yours, throw the paper away and do not do it.\n\nhttp://moremerchant.com probably has info on it.
1033816
these so called fraud protectors are a waste of time and money!  these credit card companies are supposed to do this service for you for free.  You will know if your card was not used by you or with your consent because it will show up on your report.  the companies should repay you for this also!  They may close the account and reopen a new one in your name with a different number but that is better than paying those rediculous prices for this protection.
277045
You will not be arrested or go to prison unless it can be proven that you ran up your card with the intent to fraud.  \n\nDon't let the collection people scary you, they like to imply you will be arrested.\n\nCan you afford to pay a little bit each month?  Do you have any other debts?  You can work out some sort of agreement with the credit card folks.  Ask them to lower your interest rates.  \n\nBe sure to work out an agreement IN WRITING that if you continue to try and pay off the debt, they must agree not to place anything on your credit history.  Why pay off the debt and still have a ruined credit report?  \n\nUse the sample letter below as a template.\n\nGood luck
968176
You've recognized you have a problem and that is always the first step.  There are certain debt management companies who have been cited for fraud.  Be careful who you choose.  Look for any complaints filed with the BBB before paying for the services of debt management company.  Debt management services can be expensive and may not produce the results you need.\n\nTry the suggestions given at www.MoneyExposed.com.  If you are committed to reducing your debt, you don't have to spend thousands of dollars to do it.
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.
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.
588495
Something you purchased on the credit card you aren't going to pay off.
1125955
Call the bank who issued the debit card, they can pull up a record that should give you a clue as to what the purchase was.  If you did not authorize this, then go to your bank and fill out a form stating it was an unauthorized transaction and they will try to recoup your money. Usually with much success.
1105227
I need more info before giving you any good advice.  \n\nIf someone got credit in your name, and you are claiming the debt is not yours, then there is a procedure already in place regarding ID Theft.  Go to the first link below and read up.\n\nYou first need to contact the local police department and get a report.  Then you will need to contact the creditors who are after you and inform them that the debt is not yours.  Send them a copy of the police report, plus a signed and notorized affidavid saying your ID was stolen and this is not your debt.\n\nIt's up to them to prove it's yours, not the other way around! \n\nNow, to clean up your credit, examine the Fair Credit Reporting Act, and the Fair and Accurate Credit Reporting Act.  These laws detail exactly what you must do.\n\nFollow these instructions carefully!\n\nSend a dispute letter to the Credit Reporting Agencies demanding that the listing be removed.\n\nSend a "demand to validate" letter to the creditor, and demand that they prove this is your debt.\n\nIf this does not solve the problem, you can sue them in small claims court.\n\nThis is exactly what happened to me.  Someone used my ID to get a Holleywood Video account and run up $300 in charges.  It went to collections agency and ended up on my credit report.\n\nI did the letter writing stuff, but they still wouldn't take the listing off.  So I went to small claims court.\n\nThe credit bureau settled for $200.  The collection agent decided to fight me, and it cost them $1000 plus court fees.  \n\nThe reason they get away with this stuff is because consumers don't understand the law!  \n\nContact me if you need more advice or support.
17094
Credit reporting agencies are required to research possible inacurate information. If information cannot be verified, it must be removed. If they can prove the information is real, I would be concerned that the item is from identity theft. If it is from a delinquent payment that was made on-time, that is something that you have to take up with the creditor, since their records will indicate it as late and will inform the reporting agency that when they verify it. If you are unable to reach a resolution, you may file a complaint with your state's Banking Department.
593585
If your friend is using a credit or a debit card, it is very possible for the bank to hold or deny the transaction and to attempt to verify with you, the card-holder, that it's you using the card.  This does keep credit card/banking costs down because a lot of credit card fraud is caught before the criminal can run up too large a buil.d I have had several card companies call me to verify that I am actually the one using the card when an unusual pattern of activity occurs. Usually this is 3 or 4 transactions very close together in time, outside of my hometown.
368459
Contact the credit card company, they are the one's who erroneously overcharged you.
592117
1. Report it to the police\n2. Place a fraud alert on your credit report by contacting the following:\n\nEquifax: 1-800-525-6285; www.equifax.com; P.O. Box 740241, Atlanta, GA 30374- 0241\nExperian: 1-888-EXPERIAN (397-3742); www.experian.com; P.O. Box 9532, Allen, TX 75013\nTransUnion: 1-800-680-7289; www.transunion.com; Fraud Victim Assistance Division, P.O. Box 6790, Fullerton, CA 92834-6790 \n\n3. If there is need to worry, close credit card, bank accounts, etc.
1161748
No...file a fraud claim and put his butt in jail...if you are not together...or even if you are and he forges your signature and uses your identity to obtain credit it is fraud.\n\nAhhh...I read it incorrectly...it depends on the state you live in and if he you were living at separate residences, ext...if he moved out before getting the card you could claim that he only got it and used it to take advantage of you paying half.