Author Topic: PSA: Don't swipe recklessly for others  (Read 295195 times)

Offline CountValentine

  • Dansdeals Lifetime Presidential Platinum Elite
  • *********
  • Join Date: Mar 2013
  • Posts: 5000
  • Total likes: 468
  • DansDeals.com Hat Tips 0
  • Gender: Female
    • View Profile
  • Location: Poland - Exiled
  • Programs: DAOTYA, DDF Level 3, 5K Lounge
Re: PSA: Don't swipe recklessly for others
« Reply #3675 on: October 29, 2019, 01:21:49 PM »
when you add an AU they read you a disclaimer with all your responsibilities.
He DID NOT add him as an AU, and wonít be binding to their rules
I am glad you know the rules. What does the rules say about giving someone else your card to use?
You're so far up Trump's a** you can see Giuliani's feet.  HT Baruch

Offline yossig

  • Dansdeals Platinum Elite
  • ****
  • Join Date: Sep 2015
  • Posts: 496
  • Total likes: 26
  • DansDeals.com Hat Tips 5
    • View Profile
  • Location: brooklyn
Re: PSA: Don't swipe recklessly for others
« Reply #3676 on: October 29, 2019, 01:22:01 PM »
I donít see why not to dispute by saying the truth,

I donít know the merchant and never authorized anyone to charge my card by him.

Now the merchant will have the burden of proof that you did authorize it which he doesnít have

Offline cvh

  • Dansdeals Bronze Elite
  • *
  • Join Date: May 2011
  • Posts: 33
  • Total likes: 1
  • DansDeals.com Hat Tips 0
    • View Profile
Re: PSA: Don't swipe recklessly for others
« Reply #3677 on: October 29, 2019, 01:22:26 PM »
Ok, so now this gets even weirder. After reviewing my credit report, this guy (or someone) is still making minimum monthly payments, through September (the most recent info available). Also, there is a dispute that was filed "FCBA dispute resolved - consumer disagrees", I have no idea what thats about. Finally, in Jul the balance was 3594, in Aug it was 50, and then in Sep its back up to 3498. Did he bounce a check?
I have no access to online, so I can't  see any statements.

Offline CountValentine

  • Dansdeals Lifetime Presidential Platinum Elite
  • *********
  • Join Date: Mar 2013
  • Posts: 5000
  • Total likes: 468
  • DansDeals.com Hat Tips 0
  • Gender: Female
    • View Profile
  • Location: Poland - Exiled
  • Programs: DAOTYA, DDF Level 3, 5K Lounge
Re: PSA: Don't swipe recklessly for others
« Reply #3678 on: October 29, 2019, 01:23:01 PM »
I donít see why not to dispute by saying the truth,

I donít know the merchant and never authorized anyone to charge my card by him.

Now the merchant will have the burden of proof that you did authorize it which he doesnít have
What happens when they ask if you have the card in your possession?
You're so far up Trump's a** you can see Giuliani's feet.  HT Baruch

Offline CountValentine

  • Dansdeals Lifetime Presidential Platinum Elite
  • *********
  • Join Date: Mar 2013
  • Posts: 5000
  • Total likes: 468
  • DansDeals.com Hat Tips 0
  • Gender: Female
    • View Profile
  • Location: Poland - Exiled
  • Programs: DAOTYA, DDF Level 3, 5K Lounge
Re: PSA: Don't swipe recklessly for others
« Reply #3679 on: October 29, 2019, 01:24:17 PM »
Ok, so now this gets even weirder. After reviewing my credit report, this guy (or someone) is still making minimum monthly payments, through September (the most recent info available). Also, there is a dispute that was filed "FCBA dispute resolved - consumer disagrees", I have no idea what thats about. Finally, in Jul the balance was 3594, in Aug it was 50, and then in Sep its back up to 3498. Did he bounce a check?
I have no access to online, so I can't  see any statements.
Do you know the card #?
You're so far up Trump's a** you can see Giuliani's feet.  HT Baruch

Offline yossig

  • Dansdeals Platinum Elite
  • ****
  • Join Date: Sep 2015
  • Posts: 496
  • Total likes: 26
  • DansDeals.com Hat Tips 5
    • View Profile
  • Location: brooklyn
Re: PSA: Don't swipe recklessly for others
« Reply #3680 on: October 29, 2019, 01:26:42 PM »
I am glad you know the rules. What does the rules say about giving someone else your card to use?
im not sure why your acting silly, to get e professional is going to cost him a pretty penny,
The odds of him winning on his own are very high, now why bother?

Offline Agoldsc1

  • Dansdeals Lifetime Platinum Elite
  • *******
  • Join Date: Jun 2015
  • Posts: 1071
  • Total likes: 41
  • DansDeals.com Hat Tips 0
    • View Profile
  • Location: New York, NY
Re: PSA: Don't swipe recklessly for others
« Reply #3681 on: October 29, 2019, 01:29:11 PM »
If you give a CC to your housekeeper so that she can buy your groceries, and then she spends $15k on it buying jewelry, is that not an unauthorized charge? If you gave your CC to a girlfriend and told her to go crazy, but then asked her to stop spending after you broke up and months after that she spends $15k on it buying jewelry, is that also not an unauthorized charge? 

But this is a different scenario because he opened an account under your name with your blessing, and that in itself is probably fraud. By providing him the information to perpetrate the fraud,  you are probably an accomplice with dirty hands, so I don't know how much weight that claim will have. 

PS:This is just my 2c and not legal advise.

Offline cvh

  • Dansdeals Bronze Elite
  • *
  • Join Date: May 2011
  • Posts: 33
  • Total likes: 1
  • DansDeals.com Hat Tips 0
    • View Profile
Re: PSA: Don't swipe recklessly for others
« Reply #3682 on: October 29, 2019, 01:32:29 PM »

Offline pointer

  • Dansdeals Platinum Elite + Lifetime Gold Elite
  • ******
  • Join Date: Feb 2018
  • Posts: 817
  • Total likes: 82
  • DansDeals.com Hat Tips 7
    • View Profile
  • Location: United States
Re: PSA: Don't swipe recklessly for others
« Reply #3683 on: October 29, 2019, 01:33:00 PM »
he opened an account under your name with your blessing, and that in itself is probably fraud. By providing him the information to perpetrate the fraud,  you are probably an accomplice with dirty hands, so I don't know how much weight that claim will have.
And why in the world would it be fraudulent for someone to open an account for you with your consent?

Offline Agoldsc1

  • Dansdeals Lifetime Platinum Elite
  • *******
  • Join Date: Jun 2015
  • Posts: 1071
  • Total likes: 41
  • DansDeals.com Hat Tips 0
    • View Profile
  • Location: New York, NY
Re: PSA: Don't swipe recklessly for others
« Reply #3684 on: October 29, 2019, 01:36:39 PM »
Because when you open an account, you need to read and approve their T&C, and several other disclaimers. And you are also claiming that you are you, and not someone else's agent.

Offline Agoldsc1

  • Dansdeals Lifetime Platinum Elite
  • *******
  • Join Date: Jun 2015
  • Posts: 1071
  • Total likes: 41
  • DansDeals.com Hat Tips 0
    • View Profile
  • Location: New York, NY
Re: PSA: Don't swipe recklessly for others
« Reply #3685 on: October 29, 2019, 01:45:39 PM »
Ok, so now this gets even weirder. After reviewing my credit report, this guy (or someone) is still making minimum monthly payments, through September (the most recent info available). Also, there is a dispute that was filed "FCBA dispute resolved - consumer disagrees", I have no idea what thats about. Finally, in Jul the balance was 3594, in Aug it was 50, and then in Sep its back up to 3498. Did he bounce a check?
I have no access to online, so I can't  see any statements.

It could be that your "friend" was never out to screw you, but he just got in over his head, so for now, he's disappeared but is continuing to make the minimum payments (probably using money he's borrowing from someone else in a scenario much like yours) while he tries to figure something out (which will never happen).

Offline CountValentine

  • Dansdeals Lifetime Presidential Platinum Elite
  • *********
  • Join Date: Mar 2013
  • Posts: 5000
  • Total likes: 468
  • DansDeals.com Hat Tips 0
  • Gender: Female
    • View Profile
  • Location: Poland - Exiled
  • Programs: DAOTYA, DDF Level 3, 5K Lounge
Re: PSA: Don't swipe recklessly for others
« Reply #3686 on: October 29, 2019, 01:49:21 PM »
im not sure why your acting silly, to get e professional is going to cost him a pretty penny,
The odds of him winning on his own are very high, now why bother?
If he is honest he will lose.
You're so far up Trump's a** you can see Giuliani's feet.  HT Baruch

Offline BP16

  • Dansdeals Platinum Elite
  • ****
  • Join Date: Feb 2017
  • Posts: 287
  • Total likes: 24
  • DansDeals.com Hat Tips 0
    • View Profile
Re: PSA: Don't swipe recklessly for others
« Reply #3687 on: October 29, 2019, 01:51:30 PM »
No I do not
So call up citi and ask to send you some statements, you could get it by providing your SSN, and if you told him to stop and he used it anyway tell citi you dont recognize that charge, and let the person who charged it prove otherwise.

Offline CountValentine

  • Dansdeals Lifetime Presidential Platinum Elite
  • *********
  • Join Date: Mar 2013
  • Posts: 5000
  • Total likes: 468
  • DansDeals.com Hat Tips 0
  • Gender: Female
    • View Profile
  • Location: Poland - Exiled
  • Programs: DAOTYA, DDF Level 3, 5K Lounge
Re: PSA: Don't swipe recklessly for others
« Reply #3688 on: October 29, 2019, 01:53:45 PM »
No I do not
Then how is Citi even talking to you without this information? Your story does not add up.
You're so far up Trump's a** you can see Giuliani's feet.  HT Baruch

Offline BP16

  • Dansdeals Platinum Elite
  • ****
  • Join Date: Feb 2017
  • Posts: 287
  • Total likes: 24
  • DansDeals.com Hat Tips 0
    • View Profile
Re: PSA: Don't swipe recklessly for others
« Reply #3689 on: October 29, 2019, 01:54:17 PM »
Then how is Citi even talking to you without this information? Your story does not add up.
SSN