An unauthorized charge appeared on my corporate AMEX credit card statement in early July 2010. Merchant: QFL. Charge: $56.90. I had made no purchase from QFL and I called AMEX to dispute the charge. A month later, AMEX delivered QFL's documentation on the charge: Internet order from Kimberly Williams (that's not me), Billing Address 4512 Rosco Way, Birmingham, AL 80027 (my credit card's ZIP Code, nothing else in the billing address matches my billing address), Phone (615) 489-0850 (not mine), Shipping Address Kimberly Williams 515 Brentridge Pl, Antioch, TN 37013. I don't know anyone named Kimberly Williams, and I don't live at either the Billing Address or the Shipping Address. When AMEX contacted QFL, QFL's explanation was that because the merchandise wasn't returned, the order was legitimate. QFL's Internet transaction log, which AMEX supplied to me, shows that QFL did not score the order for fraud. That, plus an Internet search on QFL, makes it pretty clear to me that these guys are total bottom feeders.
My findings: MapQuest shows that there's no Rosco Way in ZIP Code 35212 - The Billing Address doesn't exist. DexKnows.com tells me that there's nobody named Williams at the Shipping Address. The Billing Address' ZIP Code matches my AMEX Billing Address, but it's not the right ZIP Code for the Billing Address for the transaction that QFL supplied. Looks like somebody lifted my ZIP Code from the magnetic strip on my credit card at some point during my business travels, as that's where the cardholder's ZIP Code is recorded. QFL accepted this fraudulent order from someone whose name, Billing Address and Shipping Addresses don't match the legitimate cardholder, and they have the nerve to push back on AMEX's inquiry.
QFL are scumbags, in my opinion.