I was found I have been charged $900 in my credit card account by end of last year. I have sent dispute to Credit Card Company. Today I received a letter. Here is the letter said –
We requested and received a copy of the sales slip from the merchant’s bank. A review of the documentation indicates that either the merchant obtained an imprint of the card, or the sale took place at an automatic terminal, and the card was used to initiate the transaction. (The terminal reads the account information from the magnetic strip on the back of the card.)
Because the credit card was present when the transaction took place, these types of charges are considered valid. The charge will be placed back on your account within 7 days.
I am in Mid of U.S. and the store which charged me is in California.
It is about 1500 mile from my home. However, I didn’t lose my credit card. I still used it yesterday. I wonder how come someone uses it in California. Credit Card Company attached the copy of sales draft from store. Account number and expiration date are exactly same as my card. Of course the signature is not mine. It is a must someone duplicate my card using my card info.
What should I do next? In the letter, Credit Card Company said I call them again if I have any additional documentation that may support my claim. Otherwise, contact the store directly. I do not think I have any document to support my claim. I am on vacation by that time my card was charged. I can not prove I am not in that store even it is 1500 mile far from my home.
Please help! Should I call police to let them to investigate this case?
Or sue Credit Card Company? Sue store? It is only $900, not worth to have a lawyer. Should I just pay $900 and close the credit card account? Please advice. Any suggestions are helpful.
Thank you very much!
