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Credit Card Fraud Issue

LoveIsUnityLoveIsUnity Registered User regular
edited April 2009 in Help / Advice Forum
Hey everybody. You've all been nothing but helpful in the past, so I figured I'd throw out a current problem and get your advice.

As the title indicates, I'm currently dealing with credit card fraud. Actually, my partner is dealing with credit card fraud, but she doesn't hang out on the incredibly helpful PA forums.

Here's the deal: she just noticed today that there was a charge for 29.95 from CCBill.com. CCbill is a company that processes credit card transactions and sends money to websites, including porn websites, which is where her $29.95 charge originates from. Aside from the fact that neither of us particularly enjoy porn, nor do we subscribe to any online services, the charge was made at 3 am our time when we were both asleep.

There are a lot of people complaining about this problem on websites like ripoffreport.com, so it seems likely my partner is one of many people affected. She attempted to contact CCBill.com to ask them about the charges, but they simply responded that since they had her credit card number she couldn't do anything to back out of the charges since the payment was verifiable. When pressed for more information, the customer service rep merely repeated himself. She was able to determine that the charge is for an adult website called "Digital Playground" and the IP address of the person making the charge is 71.227.237.153. I traced the IP address to Arlington, WA. The e-mail address that made the charge is sortun115@yahoo.com, but a Google search doesn't reveal anything useful (or anything at all for that matter).

Has anyone else dealt with anything like this? She's already changed her credit card number and filed a claim with her credit card, but it seems like the CC company may be unwilling to refund her 30 dollars. If anyone knows of anything else we should be doing, please let me know. As always, thanks for your time

LoveIsUnity on
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Posts

  • RericReric Registered User regular
    edited April 2009
    The specific thing you will want to do with the credit card is to issue a Charge back with the issuing bank of the card. There should be a number on the back of the card that you can call and get to the right people. You should be able to win any charge back in your favor assuming that whomever stole the card info doesn't actually have the valid billing address. Basically for any internet purchase to be completely secure the merchant needs to get the card number, expiration date, cvv code, and a full address match to the billing address.

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  • LoveIsUnityLoveIsUnity Registered User regular
    edited April 2009
    We've already issued a charge back for the 30 dollars, but it sounds as if the person furnishing the information and making the charge knew her name, address, card number, and CVV number. It's pretty unsettling, particularly since the only thing she's purchased online recently is Microsoft Points for the 360.

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  • CrashtardCrashtard Registered User regular
    edited April 2009
    This might sound obvious, but have a new card issued with different #, etc. That will at least cure that issue.

    I pinky swear that we will not screw you.

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  • .kbf?.kbf? Registered User
    edited April 2009
    Crashtard wrote: »
    This might sound obvious, but have a new card issued with different #, etc. That will at least cure that issue.

    And run a virus scan so it doesn't happen again.

  • LoveIsUnityLoveIsUnity Registered User regular
    edited April 2009
    .kbf? wrote: »
    Crashtard wrote: »
    This might sound obvious, but have a new card issued with different #, etc. That will at least cure that issue.

    And run a virus scan so it doesn't happen again.

    I did both of these. I even noted in the OP that she got a new credit card number.

    I'm looking more for advice in terms of fighting the credit card company if they don't want to refund her for the money or legal recourse for finding the person who did it.

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  • The Black HunterThe Black Hunter Registered User regular
    edited April 2009
    Perhaps go to the nearest police station and ask if anyone there can help you or guide you to someone who can

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  • DalbozDalboz Registered User regular
    edited April 2009
    I had to deal with fraud on one card. Basically, after filing the claim and stating which charge specifically is fraudulent, you should be off the hook for that one flat out. The company should then close the account and issue a new card with everything transferred over. I'm pretty sure that legally, the card company has to let you off the hook for an charges that are claimed as fraud unless it's easily demonstrated that it's not fraud. It's then the card companies problem to get the money back. In my case, it was very easy because there were charges at a gas station across the country from me, so it sent up flags and the card company actually called me to see if it was fraudulent.

    If you don't mind my asking, what company is the card with?

  • DaenrisDaenris Registered User regular
    edited April 2009
    .kbf? wrote: »
    Crashtard wrote: »
    This might sound obvious, but have a new card issued with different #, etc. That will at least cure that issue.

    And run a virus scan so it doesn't happen again.

    I did both of these. I even noted in the OP that she got a new credit card number.

    I'm looking more for advice in terms of fighting the credit card company if they don't want to refund her for the money or legal recourse for finding the person who did it.

    I don't think this will be an issue. I've had this happen 2 times on 2 different cards. Each time the bank immediately issued me a new card and refunded the fraudulent charges. As long as you're not calling them every month claiming some huge purchase you made was fraudulent just so you can get it removed (which would of course be credit card fraud) I don't think they're going to give you a hard time.

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