Joe
Tucson,#2UPDATE Employee
Sun, October 30, 2005
If you feel there was an unauthorized use of her checking account number and/or Debit card, this is something you want to treat immediately. She may be a victim of fraud. First, I would contact the associated bank, stating that these charges were unauthorized, and you had no prior knowledge of an AOL account. They will probably generate a new account number and debit card, and flag the prior account number/card as fraud. Ideally, I'd go into the branch in which the account is started. Second, I would contact the AOL Fraud Department. They deal with this all the time; not that they are criminals, but as a very large ISP they are an easy target for criminals to abuse with fraudulent billing info. On that same note, AOL can/will investigate the unauthorized access, terminate the account, and probably refund charges. AOL Fraud Department's Phone number is 800-307-7969. Third, I would recommend to run a credit check. You are entitled to a free credit check under the FCRA (Fair Credit Reporting Act, http://www.ftc.gov/os/statutes/fcra.htm) and the service to get a legitimate, FREE, credit report is http://www.annualcreditreport.com/ and, just follow the instructions there. If there is unauthorized credit accounts you will want to read this site on what to do next - http://www.insideid.com/idtheft/article.php/11784_3438261_8#victim Sorry to hear this happened Good Luck, Best Wishes.
Ken
Randolph,#3Consumer Comment
Mon, October 24, 2005
How would AOL know that the account given was fraudulent? Doesn't your mother not share in the responsibility for never questionning the withdrawals from her account? At $25 a month, that's more than 3 years of AOL charges. Please don't think I mean this to be unkind, but shouldn't somebody else be managing her finances if she isn't capable of handling them herself? You may be able to get a couple of months worth of charges back from her bank, but I'd say you have to write the rest off to experience. See if your mom will add your name to her account, and have the statements sent to you.
Ken
Randolph,#4Consumer Comment
Mon, October 24, 2005
How would AOL know that the account given was fraudulent? Doesn't your mother not share in the responsibility for never questionning the withdrawals from her account? At $25 a month, that's more than 3 years of AOL charges. Please don't think I mean this to be unkind, but shouldn't somebody else be managing her finances if she isn't capable of handling them herself? You may be able to get a couple of months worth of charges back from her bank, but I'd say you have to write the rest off to experience. See if your mom will add your name to her account, and have the statements sent to you.
Ken
Randolph,#5Consumer Comment
Mon, October 24, 2005
How would AOL know that the account given was fraudulent? Doesn't your mother not share in the responsibility for never questionning the withdrawals from her account? At $25 a month, that's more than 3 years of AOL charges. Please don't think I mean this to be unkind, but shouldn't somebody else be managing her finances if she isn't capable of handling them herself? You may be able to get a couple of months worth of charges back from her bank, but I'd say you have to write the rest off to experience. See if your mom will add your name to her account, and have the statements sent to you.
Ken
Randolph,#6Consumer Comment
Mon, October 24, 2005
How would AOL know that the account given was fraudulent? Doesn't your mother not share in the responsibility for never questionning the withdrawals from her account? At $25 a month, that's more than 3 years of AOL charges. Please don't think I mean this to be unkind, but shouldn't somebody else be managing her finances if she isn't capable of handling them herself? You may be able to get a couple of months worth of charges back from her bank, but I'd say you have to write the rest off to experience. See if your mom will add your name to her account, and have the statements sent to you.