Should I call the Secret Service over credit card fraud?
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My credit card info was stolen by someone in Nigeria. Should I contact the Secret Service? Two days before New Year's Day, I got a call from my credit card company asking me to verify some recent purchases. Turns out, they weren't mine. After some research, I learned that the purchases had been made by someone with a Nigerian IP address, to be shipped to someone in Nebraska, with a Texas billing address--I live in Virginia. Fraud department types at my credit card company and the online store suggested I file a police report. At first, I thought that was silly--the thief is in Nigeria. But then I decided that these people will never be stopped unless someone tries to do something about it. So, I called my local police department. They told me to call the FBI, as they have no jurisdiction in this situation. After some hesitation, I called the FBI. They told me to call Secret Service. And then I quit. What does the Secret Service care about little old me, and the $7000 in purchases that I am not responsible for? My question for you is, should I call the Secret Service? I've seen enough episodes of Dateline NBC to feel like something should be done about this sort of thing, but I feel naive in thinking that this small offense warrants a call to such an elite operation as the Secret Service...
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Answer:
The "Secret Service" is not nearly as elite as you suspect. Call them. In addition to the things you think of (protecting the President, stopping counterfeiters), they "also tracks suspicious people and investigates a wide variety of financial fraud crimes and identity theft" according to Wikipedia. It sounds like that's exactly what you need. It sounds like you're trapped in a passing-the-buck loop, though. http://en.wikipedia.org/wiki/United_States_Secret_Service
uvaleg at Ask.Metafilter.Com Visit the source
Other answers
I live in Omaha. If you need help from someone on the ground in Nebraska, email me. I suppose it wouldn't hurt to call the Attorney General's office, but you should know the A.G. himself (Jon Bruning) is extraordinarily incompetent and, now that his Senate campaign fell apart, has no real reason to do his job effectively any more. Good luck. If you want to chase this guy down gumshoe-style, let me know.
Sfving
If you get no where with the local police, file a complaint with the Federal Trade Commission."By sharing your identity theft complaint with the FTC, you will provide important information that can help law enforcement officials across the nation track down identity thieves and stop them. The FTC can refer victims' complaints to other government agencies and companies for further action, as well as investigate companies for violations of laws the agency enforces. You can file a complaint with the FTC using the https://rn.ftc.gov/pls/dod/widtpubl%24.startup?Z_ORG_CODE=PU03; or call the FTC's Identity Theft Hotline, toll-free: 1-877-ID-THEFT (438-4338); TTY: 1-866-653-4261; or write Identity Theft Clearinghouse, Federal Trade Commission, 600 Pennsylvania Avenue, NW, Washington, DC 20580."http://209.85.173.104/search?q=cache:MR8FT5KGRpgJ:www.consumer.gov/idtheft/con_steps.htm+fraud+alert+%2B+local+police&hl=en&ct=clnk&cd=1&gl=usBy all means, document everything. At the very least you'll be able to provide the credit bureaus with enough information to warrant a 7-year extended fraud alert.
ericb
Thanks for all the advice... but my local police said I can't even file a police report with them! So who do I file it with?! http://209.85.173.104/search?q=cache:MR8FT5KGRpgJ:www.consumer.gov/idtheft/con_steps.htm+fraud+alert+%2B+local+police&hl=en&ct=clnk&cd=1&gl=us?There are efforts at the federal, state and local level to ensure that local law enforcement agencies understand identity theft, its impact on victims, and the importance of taking a police report. However, we still hear that some departments are not taking reports. The following tips may help you to get a report if you're having difficulties:⢠Furnish as much documentation as you can to prove your case. Debt collection letters, credit reports, your notarized http://www.ftc.gov/bcp/conline/pubs/credit/affidavit.pdf%20(PDF, 56 KB), and other evidence of fraudulent activity can help demonstrate the seriousness of your case. ⢠Be persistent if local authorities tell you that they can't take a report. Stress the importance of a police report; many creditors require one to resolve your dispute. Remind them that consumer reporting companies will automatically block the fraudulent accounts and bad debts from appearing on your credit report, but only if you can give them a copy of the police report. ⢠If you're told that identity theft is not a crime under your state law, ask to file a Miscellaneous Incident Report instead.
ericb
you're now eligible for free credit report freezes/tracking. Yes -- you should contact the three credit bureaus, http://www.equifax.com/, http://www.experian.com/, and http://www.transunion.com/ and place a fraud/security alert on your credit reports. Alerts notify potential credit grantors to verify your identification before extending credit in your name in case someone is using your information without your consent. These alerts last for 90-days. If you are "active duty" in the miltary, they last for 1-year. You can also obtain an "extended alert" which lasts for 7-years after having submitted a copy of a valid identity theft report that you have filed with a Federal, State or local law enforcement agency.
ericb
Thanks for all the advice... but my local police said I can't even file a police report with them! So who do I file it with?!
uvaleg
Going through this myself. The main reason to do this is that you will have a police report documenting the crime happened. Depending on the state you live in, you're now eligible for free credit report "freezes/tracking." Also, if anything happens down the line, you have a little more documentation saying "at this point, this happened." Hopefully, you'll never need it, but (s)he with the most documentation generally wins.
printdevil
Jinx. LightMayo, you owe me a Coke!
ericb
Also -- considerhttp://www.ic3.gov/complaint/with http://www.ic3.gov/(IC3).
ericb
What you should do is file a complaint with http://www.ic3.gov. The Internet Crime Complaint Center is a partnership between the FBI and the National White Collar Crime Center. The goal of the IC3 is to aggregate all Internet Fraud complaints to look for patterns and help build larger cases against the bad guys.
LightMayo
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