Squirrel
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You should absolutely contact your bank and ask them to investigate the charge. It may seem like a hassle to you, but as you say, if you let it slip, it could become a bigger problem. Banks have to follow up on these kinds of inquiries. They will get details and even a copy of the charge slip. Sometimes when you buy something, the name that shows up on the statement isn't the same as the name of the store, so you might find out that you really did buy something there. At any rate, you should get the facts and then deal with it in whatever way you need to to solve the problem. That's what your bankers are there for! |
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profadrian
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Call the bank and have them look into it. They have to verify the any purchase you question. They will straighten it out. |
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vineeth777
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well the best thing you could do is. Go to the bank with the statement and ask them for the detailed record of the transaction. Or may be any of your friend might have used it asking u, n u cannot remember. |
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mcgrawfan52277
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Contact your bank and ask them to dispute the item. They will send you paperwork and (depending on the bank) temporarally remove the item/credit your account. They will then contact the company and research the charge. If they find it was a fraudulent charge, they will permanently remove it, If they find it valid (perhaps you just forgot you did it or the vendor uses third party billing) they will place it back on your account.
You can also try contacting the company yourself, but will have better luck through your bank.
If it was fraud, I suggest getting a new debit card number. I wouldn't worry about ID theft unless you think other personal information was stolen from you. There are programs that will randomly generate account numbers that crooks use in the hopes of getting a valid #. They then make counterfiet cards or use the acct # online (I used to work in the fraud dept of a credit card company).
If you do think other information was stolen, contact the 3 credit bureaus and have them place a fraud alert on your reports. Any time going forward that you apply for credit, the company is required to contact your first and verify that it was indeed you. |
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Babystomper
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Talk to your bank. They can pull up a copy of a signed receipt or check copy. Could this be identity theft? Yes, it is possible. Most thieves will make small purchases at first you might not notice, then big ones later on. If it is, cancel your bank/credit card IMMEDIATELY! Report it to the bank, you M I G H T get your funds returned. Oh, don't be surprised if porn was purchased. |
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Help
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call your bank and ask to see the check, they have images of them on file. If it was a debt card purchase they can tell you specifically what store the purchase was from. That hsould help on the ID theft. |
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colorist
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I'm pretty sure that the bank will allow you one refund of this type per so many months. If you don't do this every month then you should be able to get it taken off....just call the bank. Best wishes |
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nemraC
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Usually stores have videos at the registers. First ask your bank What day, and time the purchase was made, Then go to the store and have them look it up |
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veronica
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You could call your bank and ask them to trace the payment.
This would most likely give you enough information to know whether a mistake was made or someone defrauded you.
The latter does happen - amnesty international once took 100 euro out of my account without permission. |
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pranab123_paul
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whenever u purchase something from absolutely anywhere using net or card u r sure to get a receipt or an acknowledgement. it's ur responsibility to keep it until u make the payment for the same. if u have the receipt then there will be no problem and if there is nothing like that then u can call up ur bank and ask for an explanation for the same. it's only after what they say that u could know what to do further. |
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'Barn
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Step one - contact the bank.
Step two - if you feel it is identity theft close any open accounts now
Step three - notify the 3 credit reporting agencies immediately
Good Luck. |
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vampire_kitti
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call and ask what was purchased. maybe you've made a mistake. anyone committing identity theft would need your credit card first, and they'll probably spend more then $30, maybe some a family member borrowed your credit card. if you are sure that you did not buy what ever it was then call the company and tell them so and ask what their policy is on what you can do. |
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Lubers25
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First, call your bank. They are going ask you the following questions and a bunch that I don't ask here. Is it possible there is anyone else who may have had access to your cards? significant other, child, roommate? It is most likely not identity theft. The people involved with that move quickly and spend as much as possible. Have you purchased anything online from this store in the past?
Things like magazine subscriptions often autobill. For example, Best Buy was running a promotion where they gave you 2-3 free issues of a magazine. What they don't tell you at the counter is they will automatically bill the credit card you purchased with at Best Buy to continue the subscription after the trial runs out unless you call to cancel.
If you cannot find the source, simply cancel the card and have them issue a new card just to be on the safe side. |
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David W
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Seriously? You forgot spending the money. File a protest on your account and the bank will research it for you. Seriously.
One thing not to do - DO NOT CLOSE YOUR ACCOUNT. The hassles that you will encounter over what may be just an oversight on your part will cost you far more than $30. As someone said earlier, a single $30 charge is not a symptom of identity theft.
BTW, you got a bad answer on your health insurance question. |
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reikirach
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Absolutely call your bank as they will have more information on the type of purchase. They will allow you to dispute this transaction. You may need to close this account if someone has gained access. And yes. it could happen again if you do nothing about it. |
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