fraud help: my ex boyfriend put 3000.00 in charges on my credit card with out my concent, this was over three years ago, i just found out. - Help.com

How do you know he was the one who did it? And how did you not know about the charges before?

i have a mate who’s ex done the same to her and she couldn’t prove it so she had to pay all 10,000 back to them!!! lame i know but thats how it works don’t know whether it’ll be the same for you though?…

There is no way that you wouldn’t know that there where charges on that card. After 90 days the bill collectors come knocking at your door and calling you up. I’m going to say that there is a problem in your story. If its your card then you have to pay for it. Hope this helps :-)

Sorry Clue, but there is a way for that to happen. We just went thru this with my daughter. My sister opened not just one card in her name but 2 of them and my daughter didnt know until she went to apply for a loan for school. Both of them were opened in 2007 so it can happen like that. Besides, most major credit card companies do not send anyone to your door. They just call you and everyone you might know, the employer you listed, etc. I used to work for Master Card.

What we had to do was get the actual application and take it to the police dept. where we filed out a fraud and identity theft report. Once that was done she sent a copy of the police report to the credit card companies and they took it off her credit. She now has a clean slate.

I would suggest to the OP that she pull a credit report from all 3 reporting agencies and make sure that there isn’t anything else that she doesn’t know about.