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Thieves living it up on my vacation

Discussion in 'Credit Talk' started by cinderella, Jul 12, 2003.

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  1. Jul 13, 2003 #21
    too much

    too much Banned

    Re: Re: Thieves living it up on my vacation


    Of course Cinderella thought this was a serious situation. He/She actually thought that "thief" would get to keep the $10k.

    Laughable.

    You call the police because there is an imminent threat of loss if your neighbor is getting robbed.

    You don't worry about the CC problem because the CC issuer will be able to do a chargeback. The thief isn't going to get away with anything.




    From Cinderella's post:

    " Who cares if nothing arrives at my house in a week, the merchant (thief) would have collected almost $10K from BOFA had they not stopped the charges, and by the time I got around to complain, they would be long gone."
     
  2. Jul 13, 2003 #22
    Hedwig

    Hedwig Well-Known Member

    Re: Re: Thieves living it up on my vacation

    They can only do a chargeback if they can FIND the person/company that made the charge. That was one of the concerns. Granted, the cardholder doesn't have to pay, at least not directly. But if the person who has the 10K is gone, YOU and I pay in higher fees and interest rates. Don't think for a minute that no one will get away with the money--it happens frequently. If we're all on guard for fraudulent activity and report it, we'll all be better off.

    Try having your vacation ruined because you have no money and can't use your credit card. I'm sure your story will change quickly.
     
  3. Jul 13, 2003 #23
    cinderella

    cinderella Well-Known Member

    Re: Re: Thieves living it up on my vacation

    Really toomuch, you have a polluted way of twisting things around. I never said once I believed I would be liable for the charges. You need to stop this superiority complex of yours, that you are the genius of Cnet and the rest of us are just a bunch of Chrissy Snows.

    DH (mostly) and myself were stressed throughout our vacation because our major source of paying for our meals/rent-a-car/miscellaneous AND an unplanned vacation rental on the North Shore of Oahu (because we did get stranded on a connection flight in Oahu for 5 days when Hawaaian Airlines cancelled service to American Samoa) was tied up. BOFA agreed from the first time we spoke with them to credit our account back, BUT this doesn't happen over night.....it took 8 days, and another 2 to get the new card.

    If these charges had gone through, I probably would had to of waited the full 90 days to have my account credited. In which case, I would have been making collect phone calls to my friends and family from Kauai asking them to Western Union over some $$.


    If BOFA paid out the charges and didn't freeze the account, these guys would likely be gone or had already set up a new "E" business, so doing a chargeback like Hedwig said is probably worthless. Even if BOFA did find them, good luck getting the $10k back, probably spent. Also, I don't think the "E" merchant is in the States, what is the financial payback for BOFA chasing down a criminal for $10k, that may or may not have the $, even if you do eventually find them? Had BOFA paid out, I don't think they would ever recoup the $10k.

    And yeah, I do want this person(s) caught. So not only am I willing to assist BOFA in catching these guys, I am more than happy to do so....even if "I am doing their job for them."


    RichGuy.....Thanks for your support and in bringing some clarity/sensitivity to the post. I was shocked that another poster would insinuate it was my family/friends, while always a possibility and probably the first to be suspected, this post has nothing to do with theft among a family member. Unfortunately, my skin has gotten a little thicker as a member of this board.
     
  4. Jul 13, 2003 #24
    GEORGE

    GEORGE Well-Known Member

    Re: Re: Thieves living it up on my vacation

    WHY RESPOND???

    [IGNORE]
     
  5. Jul 13, 2003 #25
    too much

    too much Banned

    Re: Re: Re: Thieves living it up on my vacation

    Call me foolish, but I don't go on vacation without an AMEX card and a Visa card.

    The original poster apparently had credit problems, and wasn't able to do so.


    It's amusing that these problems only happen to certain people... the same people who have bad credit, lack common sense, etc.

    http://consumers.creditnet.com/straighttalk/board/showthread.php?s=&postid=343761#post343761

    The original poster obviously has issues with handling credit cards responsibly. So, which is more likely: a cunning thief stole their card info on expedia.com, or that they left it lying around somewhere and the number was taken from them?
     
  6. Jul 13, 2003 #26
    cinderella

    cinderella Well-Known Member

    Re: Re: Re: Thieves living it up on my vacation

    I used to have credit problems. Started with something around a 540 FICO score, now up to over 700+ on EQ and TU, thanks in large part to this board. Although I would probably be approved for just about most CC's now, I can't apply until I get my business loan. Try reading the link you posted, it pretty much explains why.

    Also, I recommend you read this post too before you take out your dagger, I did travel with two additional CC's.

    As far as me losing my Orchard Bankard last month, so what? How does that affect my credibility? I lost a credit card in the past and somehow this equates to it is my fault? I never lost the BOFA card, but it doesn't matter what I say, you'll find a way to taint it.

    I think you are just a wee bit upset over your unsuccessful shorts, seems like the NAZ has taken a bit of a RUN!
     
  7. Jul 13, 2003 #27
    keepmine

    keepmine Well-Known Member

    Re: Re: Re: Thieves living it up on my vacation

    I read the OP and I took it as a long time member getting home and wanting to vent/share an experience. I've read enough of her post over the last year to realize she's knowledgleable about credit cards and I don't believe it ever entered her thought process that she had any liability. She knew she didn't and, she knew those of us who know herare aware there is no liabilty. Sometimes it's just not necessary to post something that is obvious -unless someone wishes to stir the pot.
    Anyway, welcome home, unpack amd forget about Too Much.
     
  8. Jul 13, 2003 #28
    FedUp2003

    FedUp2003 Well-Known Member

    Cinderlla,

    Yeah, you left your BoFa card laying around, and that's how the theif go the number.

    That's also where they got your address - oh, wait a minute -addresses aren't on a CC.

    That's also how they knew when you were going to be on vacation - oh, what a minute, that info wouldn't be on the CC either.

    I think most of us understood perfectly what you went through, and it's not foolish or doing the banks work for them, it's actually called being responsible and staying on top of things to check into your CC like you did.

    I guess if toomuch had a new card and found it frozen cause of new $7K in charges, I guess he would have just ignored it and gone on about his vacation without a care in the world. (Who's stupid and who ain't?)
     
  9. Jul 13, 2003 #29
    too much

    too much Banned

    Re: Re: Re: Re: Thieves living it up on my vacation

    Two weeks does not a rally make. If you feel good about a stock market that's built on hype and hope...oh my. The smart money knows where it's going...and they aren't the ones buying it.

    The US economy is crumbling. Even you can see that, right? Only a fool is buying/holding stocks, US dollars or bonds today. Of course, CNBC will be happy to convince you otherwise...after all, it's not their money on the table.

    Just like with credit and other financial matters, patience is the key.

    Your credit card trouble didn't originate with expedia.com. Why would a thief care if you were out of town? Think about it. Your logic defies itself.
     
  10. Jul 13, 2003 #30
    too much

    too much Banned

    No, I would have made one call and enjoyed my vacation. I certainly wouldn't have let the thieves win by worrying and impotently trying to bring them to justice. People tend to react with emotions instead of logic in such situations.

    "Stupid" people are the ones who don't plan far enough ahead in life to prevent such things from affecting them.
     
  11. Jul 13, 2003 #31
    FedUp2003

    FedUp2003 Well-Known Member

    I honestly don't see how one can plan ahead in order to prevent CC theft and/or fraud, it's rampant!

    I also don't see in the OP where Cinderlla said they made more than one call ro spent all vacation long tracking the problem. Only 1 other call to get the okay about an airline trip or change, or something.

    Seeing $7K on your CC is certainly worthy of at least 1 call to the bank, if not a couple.

    Well, I've got better things to do now, NOT going to get drawn into senseless drivel.

    Bye!
     
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