Author Topic: PSA: Don't swipe recklessly for others  (Read 294227 times)

Offline cvh

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Re: PSA: Don't swipe recklessly for others
« Reply #3645 on: October 28, 2019, 09:31:50 PM »
It wasnít technically stolen... I gave it to someone, and I trusted him to close it when I told him to.

Offline cvh

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Re: PSA: Don't swipe recklessly for others
« Reply #3646 on: October 28, 2019, 09:35:44 PM »
My basic argument is, maybe I shouldnít have lent him my card in the first place. But I did, and all those bills were paid in full on time. Only after I withdrew permission and told him to close them, did he stop paying the bills! So can I claim the charge is unauthorized, or does my original permission make that claim no good?

Offline LoLo

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Re: PSA: Don't swipe recklessly for others
« Reply #3647 on: October 28, 2019, 10:16:10 PM »
Charges made after you told him to stop were unauthorised.

Offline gingyguy

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Re: PSA: Don't swipe recklessly for others
« Reply #3648 on: October 28, 2019, 10:20:32 PM »
Charges made after you told him to stop were unauthorised.
seems like he just stopped paying the bills with no additional charges made than. sounds authorized to me
May you slide down the banister of happiness & get many splinters of success up your career.

Offline LoLo

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Re: PSA: Don't swipe recklessly for others
« Reply #3649 on: October 28, 2019, 10:22:04 PM »
He says there was a June charge after he told him in April to stop.

Offline pointer

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Re: PSA: Don't swipe recklessly for others
« Reply #3650 on: October 28, 2019, 10:26:03 PM »
seems like he just stopped paying the bills with no additional charges made than. sounds authorized to me
I texted him in April to stop and close the accounts, and he said he would. Only problem was, he kept using them instead! The bills were still paid on time,except for the final charge which was never paid and citi closed the cards only three weeks after that charge. That June charge was most definitely unauthorized by me, and I have no idea actually what happened, as I canít reach the person who originally borrowed my cards.
Can I claim the charge was unauthorized, or since I at one point lent him my card I canít ?

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Re: PSA: Don't swipe recklessly for others
« Reply #3651 on: October 28, 2019, 10:26:50 PM »
So Iím getting confused about one point and hoping someone can clarify:
I did give my card to someone in January and gave him permission to use it for a few months. All those bills were paid in full, on time. I texted him in April to stop and close the accounts, and he said he would. Only problem was, he kept using them instead! The bills were still paid on time,except for the final charge which was never paid and citi closed the cards only three weeks after that charge. That June charge was most definitely unauthorized by me, and I have no idea actually what happened, as I canít reach the person who originally borrowed my cards.
Can I claim the charge was unauthorized, or since I at one point lent him my card I canít ?
I would get legal advice first before proceeding down this route.
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Offline yossig

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Re: PSA: Don't swipe recklessly for others
« Reply #3652 on: October 29, 2019, 09:32:27 AM »
It wasnít technically stolen... I gave it to someone, and I trusted him to close it when I told him to.
was the card charged previously by the same merchant as the last charge?
« Last Edit: October 29, 2019, 09:58:20 AM by yossig »

Offline Dan

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Re: PSA: Don't swipe recklessly for others
« Reply #3653 on: October 29, 2019, 09:43:53 AM »
I'm not a lawyer, but if there are charges that are legitimately not authorized and you're ok reporting the person who charged them fraudulently, I'd say go ahead and dispute due to fraud.

Save your time, I don't answer PM. Post it in the forum and a dedicated DDF'er will get back to you as soon as possible.

Offline cvh

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Re: PSA: Don't swipe recklessly for others
« Reply #3654 on: October 29, 2019, 10:45:49 AM »
was the card charged previously by the same merchant as the last charge?
The charge made on June 11 (3 months after I told him to close my card) was a new merchant.
I would get legal advice first before proceeding down this route.
Anyone know of a reliable legal person who would be able to assist?

Offline cvh

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Re: PSA: Don't swipe recklessly for others
« Reply #3655 on: October 29, 2019, 10:46:39 AM »
I'm not a lawyer, but if there are charges that are legitimately not authorized and you're ok reporting the person who charged them fraudulently, I'd say go ahead and dispute due to fraud.
I don't in fact know for sure who made that charge. I can guess, but I really have no idea.

Offline Zalc

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Re: PSA: Don't swipe recklessly for others
« Reply #3656 on: October 29, 2019, 11:25:15 AM »
I don't in fact know for sure who made that charge. I can guess, but I really have no idea.
Then why would you NOT report as unauthorized?

For all you know this guy himself got scammed/hacked and someone else made this last charge...

Offline cvh

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Re: PSA: Don't swipe recklessly for others
« Reply #3657 on: October 29, 2019, 11:39:01 AM »
Then why would you NOT report as unauthorized?

For all you know this guy himself got scammed/hacked and someone else made this last charge...
That's true.
My hesitation is only ignorance of the rules of the game. Since I made a boo-boo by giving him my card initially, does that get me in hot water even if down the line I told him to stop and he didnt listen to me?

Offline shapsam

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Re: PSA: Don't swipe recklessly for others
« Reply #3658 on: October 29, 2019, 11:48:36 AM »
That's true.
My hesitation is only ignorance of the rules of the game. Since I made a boo-boo by giving him my card initially, does that get me in hot water even if down the line I told him to stop and he didnt listen to me?
No, unless there's more to the story.

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Re: PSA: Don't swipe recklessly for others
« Reply #3659 on: October 29, 2019, 12:05:49 PM »
No, unless there's more to the story.
I would be careful giving advice like this.
You're so far up Trump's a** you can see Giuliani's feet.  HT Baruch