I recently discovered 4 fraudulant charges on my credit card but I didn't realize they were there until after 120 days later. Now US Bank won't allow a dispute because the 120 days were exceeded. Anyone have any experience with this or have other avenues of dispute I can pursue?
Thanks!

Dang, that sucks, what CC?

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Happened to me once, except I received a call from the CC people about the charges. I recommend having an attorney write them a letter. I retain the services of Pre-Paid Legal for such purposes. It's been very effective.

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It's a US Bank Visa card. What sucks is I've been away from home for Air Force duty for quite a while and didn't have access to my statements for many weeks. I tried to explain that to them but they referred to the merchant that sets the time limit or something like that.

What kind of charges ? Is it fraud as in someone stole your identity or is it that someone that had your cc went on a shopping spree?

They had my # and bought things. They got my number while I was in Europe (Italy/spain) for work.

Lambeau - go to the Air Force legal and see if they can help you out. Make sure that you have your orders and also, where the charges were made. You need timeline to prove that you were not near the places where these stuff were bought.

Also, make sure you call the CC company and Credit Card Bureau to not accept charges on that account.

GL,that sucks!

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If it is a credit card tied to your bank account, the Bank will invoke the "bank statement" rule. You have a duty to check your bank statement and inform the bank of the error within a reasonable time. (usually until the next statement is issued). Otherwise it would be considered "properly payable." This rule generally applies to checks. I'd also argue that your deployment should exempt you from this rule.

I'd try the credit card co. or the credit bureau(s) that US Bank reports to. I've disputed fraudulant charges on my AMEX 6 years after the transaction had taken place and AMEX removed them within 30 days.

Although I am an attorney, you don't need one, expecially pre-paid. You can do it yourself with some time and a pen and paper. Be consistent.

and now comes your next big pain in the ass. Calling the big 3 and letting them know about your identity theft and also putting a 7 year alert on your file.

Have you checked your Credit Report lately? If you are American Express, I suggest a product they have called creditsecure. It's a monthly cost and well worth it.

You also need to file a police report, IMMEDIATELY.. You will need it to escalate any and all claims.

Here are some numbers that should help you: (these numbers are golden as it took me hours sometimes just to find phone numbers to call, it's always buried.)

Transunion - 1 800 916 8800
Equifax - 800 525 6285
Experian - 888 397 3742

CHECK ALL YOUR CREDIT REPORTS IMMEDIATELY... Call and argue anything that doesn't look right.

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