A few weeks ago I went to fill up my car with my emergency credit card.My card declined. I called customer service thinking it was denied as a security precaution because I haven't used it in months, it’s truly an emergency card but since I have $0 to my name right now, I had to use it. The rep tells me it was denied because it’s maxed out and if I want to use it I would have to make a payment. My card was used at “Sephora”. The same day that K stole J’s money.
She spent my $500 and $400 of my son’s money that she stole. I asked the rep why I wasn't called because it was a suspicious charge and I was told they tried. I found out the number on my account was my wife’s. There was an online account for my card that I didn’t create.
I reported the fraud with the rep and figured as soon as they saw the charges weren’t from me I’d get my money back. I told them the charges were fraudulent. Not even a week later I started receiving a ton of texts from my step daughter. I thought it was an emergency, that someone had died, or something serious because I can’t recall the last time she was awake before noon. She was telling me that she had a package that was delivered today to the house. She asked me to contact the landlord to pick it up because when she tried, the landlord wouldn’t give it to her.
I was almost in awe of the audacity of her calling me to help her. Help her get a package that she stole my credit card to buy. She ignored every text and call from J begging for his money back yet thought it was perfectly ok.
I went & got the box with the intention of returning it myself for a refund. It had my name on it. She put it in my name to avoid it getting flagged by my credit card company. I took it to Sephora to get a refund but because the card that was used to purchase it was frozen/closed I couldn’t get cash/refunded. The girl working said she could return for store credit to K’s account. Absolutely not.
I took the box to an organization/charity that helps women get ready for job interviews so they can get back on their feet. This was a mistake. Today, Oct 7th I was told my fraud investigation was denied. That the orders were in my name, sent to my address, almost a month delayed in reporting it, and because I donated the box of stuff that meant I showed ownership of “stolen goods”. I’m now responsible for the debt racked up on the card, I no longer have access to my emergency credit card until I make a payment. I’m beyond screwed and about to be in the negative in my bank account.
When I went to the police about the $ she stole from my son, my wife lied and said she gave that money to her. My wife also said she gave K permission to use my card. We didn’t even have joint bank accounts let alone joint credit cards. Does her being my wife give her the right to let her daughter use my credit?
What do I do? File another claim? Do I need a lawyer to sue my step daughter?
TL:DR;Genuinely lost and confused over what to do after my fraud claim was denied. Am I responsible for this debt?
Submitted October 08, 2022 at 12:57AM by AITA_2191 https://ift.tt/NfKSw45
