One time the criminals made two cards and were trying to use them at the same time in two different stores. We tried all we could to get a loan but all effort was in vain due to the bad credit score.An lawyer I contacted to help dispute our collections requested for $1000 upfront, the major credit repair companies gave a year estimate to get us to where we need to be, God so good to us, I later met with a credit score specialist and instructor, he gave me some instructions and requested some information from me regarding my credit score in which I provided everything to him. I am 73 years old, I have NEVER had a credit card in my entire financial life, all I own in my life is paid for, there are no standing orders,direct debits, I travel to the US at least twice a year, always taking cash/folding money with me, it has never been a problem for ME. Yes, 90% of the time when you call credit card companies and insurance companies and etc., the person you are talking to doesnt work for said company, but rather a contractor. These offers do not represent all account options available. I had this same thing happen to me yesterday with my Discover It card. CBR Resources And even if you are able to reach the company, you might be told that cancellations are impossible as your agreement doesnt include any way to cancel. I contacted with it within 24 hours. Regardless, I'm very happy Discover caught this, and it is now in their hands and no headache for me. Credit Karma If you do manage to contact the scammer and find that you cannot cancel, the scammer will use various strongarm tactics to try to scare you into continuing to pay. If there is sufficient evidence to support the claim, the chargeback is filed and the transaction amount is immediately removed from the merchants account. Subscription Spammers really bite. Two of them were on authorized user cards that had never been used and never left my desk drawer. How does this happen so quickly? No fees or interest will be incurred on the disputed charge during the dispute process. I wish I can say everything here which is not possible but all I know is that he can be trusted. i have my card with me and never lost it and now i am wondering how were thety able to use my card! The police wouldn't create a case number to start an investigation unless the bank filed other paperwork which all stalls the entire process so long that by the time you get a case number the store has recorded over the evidence. There was a documentary on how they caught some hackers who used to do this. Every receipt has a time and date stamped on it and stores automatically keep copies of those receipts. I noticed it before Amex did and gave them a call. Instead, they will insert your card to make sure you are the actual card holder. Obviously, more consumer education is needed. I received the new card in three days. For now, banks assume that anything purchased with Apple Pay or Google Wallet is trusted. Around the same time, we got our account "stolen" and they did the same thing.charged up some gift cards at the local MACY'S down the street from us, bought some cigs at service stations on the darker side of town, and withdrew some money somehow. The bank should place a fraud alert on the account, and possibly for the specific merchant making the charges, which will also help prevent additional charges from being made. @ Eric -- I've never dealt with credit card fraud before and can't say it's something I pay much attention to. I've had it happen about a dozen times in about 15 years even though I have never lost card and hold then shred all receipts. We strive to provide you with information about products and services you might find interesting and useful. Once the statement was zeroed out, I cancelled the account. Same thing happened to me with my AMEX PLT card. If you enter the wrong pin, denied. Unfortunately citi is the worst. Thats when he realized that whoever had gotten into his T-Mobile account also had access to his Wells Fargo and USAA accounts. Unfortunately, something to keep in mind is that they rarely protect merchants. I live in California and I told them I did not and had not been to New York, EVER! I was traveling through airport Changi and in Starbucks cafe T2 i bought a cap of coffee and paid by my debit cart Visa. They said they had put a block on my existing card and were sending me a replacement with a different card number to arrive in 3 days. My card was copied and had 10 transactions worth over $1200 in Georgia while I was in Oregon, thankfully I got all my money back. This content is not provided or commissioned by the bank advertiser.