I Did Not Order Or Renew Your Service And I Was Billed. This Is A Fraudulent Cha

Contact your Card Issuer.

Credit Card issuers typically have a 24 hr. hot-line for consumers to report fraud and theft. By law, a consumer’s maximum liability is $50 per credit card; once they have reported a loss or theft of a credit card to the issuer, consumers have no further responsibility for unauthorized charges. If the fraud involves a person’s credit card number, but not the card itself, the consumer has no liability for unauthorized use. If an ATM or debit card is lost or stolen, the amount of money someone could lose depends on how quickly they alert the issuer – if they wait too long, they could lose everything in the account.

Contact  your local Authorities.

You can file a complaint with the local Police. You will want to get a copy of the police report to confirm the nature of the fraudulent charges with the issuer and the credit reporting bureaus, and should file reports with the Federal Trade Commission online at www.consumer.gov/sentine

Contact Credit Reporting Bureaus

There are three credit bureaus that monitor activity on consumer credit accounts: Equifax, Experian, and TransUnion. The three bureaus can flag, or place an alert on an account for fraudulent activity, which then requires that they contact the cardholder before any new lines of credit are opened. Consumers can also ask to have an account frozen – which means their credit history can’t be reviewed by lenders and prevents new lines of credit from being opened – but keep in mind it may take several days to unfreeze accounts in the future.

Stay Vigilant.

It’s a good idea for consumers to follow up calls to their credit card issuer or credit reporting bureaus with a letter outlining key details and summarizing when they alerted the issuer and bureau to the loss or fraud. As a victim of ID theft, consumers can receive a copy of their report free-of-charge and should review credit reports with all three bureaus for any suspicious activity. Lastly, it is important that consumers continue to keep a close eye on their credit card statements, bank accounts, and credit reports well into the future for any suspicious activity.