Family fraud on Chase credit card by my son. I filed a police report 8 months later Chase says I have 2 pay.?
$27 thousand is on the card. He some how added his name and had statements sent to him. He started making charges i 5-08 and Chase never called to verify the $4 thousand checks to himself. They call every one to verify that the charges are yours. Not me. In 12-08 they called to say my payment bounced and the fun began. My Dad was dying of cancer, my dog had to be put down and my Mom was diagnosed with dementia. I never thought about missing my statement. I only used this card 1 time in 10 years. I consolidated my sons bills on my card as a gift. They say it is not fraud because I did
that for him. What do I do? I think they already sold my dept . to another company. The Chase fraud investigators were incompetent and rude. They never sent me papers or returned my calls. I am sick over this and my heart is broke. What happens if i don”t pay or pay $100 a month for the rest of my life? I am 52 and own my car and bought a home 3 years ago. Also have a new husband . Married for a year. Do i divorce him and declare bankruptcy?My credit score was very high but it is destroyed now. Do i sue my son who has no money? My mental and emotional health are not healthy. If I hire a lawyer can they fix this? I will prosecute but they say its not fraud. So can I still prosecute my son?
In March i put a balance transfer on the Chase card, Also in April I put 2 balance transfers on this card. In June 16 charges from Ca. were put on this card(not mine). In July 26 charges from HB Ca were made. August 28 charges one was $2.225.00 made out to my son. another check for $4000.00 was made out and put on my card. I have never given a Huntington Beach Ca address to Chase. Why did they allow this with out calling me? Talk about a red flag. Chase customer service states that they will monitor accounts to protect against fraud.If they can not contact card holder they will place a hold on the card. Not in my case. They did nothing to protect me. I did put 3 balance transfers on my card for my son. I did not give him my card . I did turn him into police on 12-24-08. Fraud is a felony.r Felons can not vote. I have the case number and report. I haven’t seen my son for 8 months. I do not know if he is in Ca or not. He is not the son I raised. Telling him to be responsible is a joke
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Sticky situation.
Let’s break it down.
1st don’t break up with your husband.
2nd declaring bankruptcy is an option and there are many types of bankruptcy best to talk to a councler about it
3rd tell your son he has to get a job and pay you back.
I don’t understand your statement. At one point you say your son fraudulently used your card/checks. But in another statement you say
” I consolidated my sons bills on my card as a gift. They say it is not fraud because I did that for him.”
Did you consolidate your son’s debts on your card or not?
If your son signed the checks and did this all on his own, then you can sue him. It is the only way the CC will believe it is fraud. However, your credit card agreement says you have to write to the CC on any disputed charges within a certain amount of time. If you did not do this, then you are stuck with the bill and paying it off. You can get a judgment against your son so that he pays you back over time.
My son stold my husband’s Chase credit card and charged $2000.00 worth of tv’s, rings and clothes for his girlfriend, etc. Since we didn’t sign anything to authorize him to use it, Chase said we didn’t have to pay. If you didn’t authorize your son to use your card, you shouldn’t be held liable, either. I would hire a lawyer to fight them if I were you. My son was arrested and charged with impersonation (he signed my husband’s name), and for receiving stolen property. He is serving time in Ohio right now. I can totally understand how you’re feeling, my heart is broken, and the relationship with my son will never be the same. Good luck to you.
Hold on a minute before you hire an attorney to press charges against your son, fight Chase or divorce your husband: If this debt has been charged-off as bad debt, then you may want to try to offer settlements on the debt in the 25-40% range (if you have the money to do this). It is very common for creditors/debt collectors to accept substantial settlements on debt after it’s defaulted/charged-off. In this economy I’ve heard of creditors settling at 20%. So before you spend thousands of dollars on hiring an attorney, make a settlement offer on the debt starting at 20% (and go from there) and see what they say. If they agree, then be sure to get all terms in writing about any settlement in writing before you give them any money.
Paying back a settlement like this won’t undo the damage to your credit rating, but it would release you from the liability on the debt. Even a 50% settlement would bring the debt down to $13K…it’s up to you if this is a manageable amount that can be paid back. If they refuse such settlements and take you to court, then filing for Chapter 7 may be an option to consider.
Technically, your son is responsible for this whole mess, so kick him in the A** and tell him to get a job and pay it. He is a loser.
But, since he didn’t pay them, Chase will hold you responsible if you authorized the charges. And, since you own a home, they will likely take you to court to get a judgment and put a lien against your house. They will also try to garnish your wages if you don’t enter into a payment plan or otherwise take care of this. One thing they will not do is wipe the charges out.
If you didn’t authorize the charges, then you have to make the tough decision about wether or not to bring the police in and have your son arrested for theft.
You should talk with an attorney before filing bankruptcy – while this is a lot of money, it is not an insurmountable amount of debt if your son gets a job and gets paying on this, and bankruptcy will ruin your credit and affect your marriage (do not divorce over this – will only make things worse).
I would sit your son down and give him a very tough choice – either jail, or he does what he needs to do to pay this off. His choices to address this can include: selling his car; moving back home so he doesn’t pay rent anymore; getting job (s) and handing over the paycheck to you to pay this account; taking a loan in his name to pay this off.
Basically, if he pays $500 a week toward this debt it can be gone in about a year, and then you can live your life as before. Even if he only finds a job making $12 an hour, if he works 60 hours a week, he can make enough take home pay to pay $500 a week.
It’s a tough lesson for him, but one you need to be firm about. Get angry, not heartsick!
I’m not gonna tell you what to do with your son, that’s family business but I can maybe give you some good advise about chase.
It seems to me that they are trying to bully you, if I understood correctly first you consolidated his cards into your card. You are responsible for that and you should pay back that balance
Now it seems that after that he stoled your card and made some charges, also wrote convenience checks to himself. That is fraud and you are no responsible for paying that part of the balance, Chase is trying to put it all together to make some more money.
Your problem is that your tried to talk to them, solve the issue over the phone, you need to start over and do everything in writing, don’t answer their calls, they can write you as many letter as they want, you’ll have records if you need to go to court.
Write a letter to the fraud department explaining what happened and including a copy of the police report, of course you’ll have to do much better than you did here on the explanation part,
They should take those unauthorized charges and checks off of you card and go after your son, if they refuse find an attorney and sue them
The law is on your side.
Сredit repair workеd fine to fix my credit. They disputed and removed lots of bad items from my credit report. I used this service – credit-report-free.totalh.com
You call $27,000 a big debt? Our 34 old son hit us close to $200,000 over 10 years. We thought we were getting him out of trouble over the 10 years. Turned out he used it for gambling! Our attorney said we should go after him but my wife said if i loved her we’ll pay it. Needless to say, my wife won but we told him he spent his inheritance. We plan to spend every cent we have left on ourselves and we’re loving it.
Debt settlement could be an option as it was pointed out above, here there is a resource you can check it out.
Sorry there would be no way to get out of this, Since he is in your family and there is no way to prove that it was him and not you. The only thing you can do is collect from him.