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December 21, 2005

That Didn't Take Long

I have only been a credit card holder for nine months, but it seems I have already been victimized by credit fraud. Thankfully my bank (Bank of America) considered it suspicious and didn't process it until contacting me.

It was a charge for $900+ dollars at AMAZON.COM*SUPERSTORE. I don't know if that is really Amazon or not. I had only one order recently placed at Amazon. The order had just been shipped and was listed on my recent orders as what I ordered for the price I agreed to pay (about $68). I Googled "Amazon Superstore" and found this post and this discussion.

What I just thought about that I find interesting is that the charge was placed on my BofA credit card, not my BofA debit card or my just acquired Amazon card. The BofA credit card was the only one of those three not on file with Amazon.

I don't know what happened, but the result is that my credit account has been closed and the charge wasn't processed, so it looks like no harm done. I e-mailed Amazon customer support about it and they sent a prompt reply which said to have my bank fax them pertinent info so they could start an investigation. I guess I'll have to call BofA customer service to make sure that's done.

Other than that, what else do I need to do, if anything? I'm in uncharted waters here.

Posted by Brian at December 21, 2005 10:57 PM

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Brian: First, close all your accounts with BoA and have them re-opened under new account numbers with a new debit card, too. You have no way of knowing what else may have been compromised. While doing this, make sure you are provided with a copy of all correspondence between you, BoA, and Amazon. Keep it safe. Next, get a copy of each of your credit reports, with scores, from Equifax, Experian, and Trans Union. Check carefully for anything remotely untoward, unexplained, or suspicious. Next enter a consumer statement on each that you have been the victim of fraud and that no accounts are to opened in your name without your specific approval. Provide contact information such as cell phone or address. Finally, file a police report and keep a copy of it as well. This will do no good whatsoever in terms of catching whoever is responsible, but it will demonstrate officially your integrity in the matter, and wil serve as the basis for later action if there is another assault on you credit.

Merry Christmas,

Bat One

Posted by: Bat One at December 22, 2005 9:07 AM

I think just closing all your accounts at BofA would suffice :)

Posted by: Nemo [TypeKey Profile Page] at December 22, 2005 12:28 PM

Bat One, thank you for your advice.

And a Merry Christmas to you as well.

Posted by: Brian Medcalf at December 23, 2005 2:15 AM