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Got Conned - Any Recoursethread deleted

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Antigone*

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Got Conned - Any recourse?

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California

So I agreed to put my fiance as an approved user on my credit cards before realizing she had been playing me.

In a matter of a couple days, she took out TWO $12,000 cash advances from my cards. I was never contacted or alerted and the advances went through with no problem.

What my question is, are the credit card companies at fault for approving multiple, high dollar cash advances in such a short amount of time without contacting me or temporarily freezing my account?

While she had authority to use my cards, I would think such large amounts should set off some alarms. Is this predatory lending? Aside from personal lawsuits against her....do I have any legal recourse to avoid paying back this debt??

Thanks in advance.


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#2 06-19-2011, 07:06 PM
Proserpina
Senior Member Join Date: Mar 2009
Location: Weigh a pie
Posts: 21,608

Quote:
Originally Posted by bambam323
California

So I agreed to put my fiance as an approved user on my credit cards before realizing she had been playing me.

In a matter of a couple days, she took out TWO $12,000 cash advances from my cards. I was never contacted or alerted and the advances went through with no problem.

What my question is, are the credit card companies at fault for approving multiple, high dollar cash advances in such a short amount of time without contacting me or temporarily freezing my account?

While she had authority to use my cards, I would think such large amounts should set off some alarms. Is this predatory lending? Aside from personal lawsuits against her....do I have any legal recourse to avoid paying back this debt??

Thanks in advance.



No, no and yes - you pay off the debt and then sue her in court.

It's not the creditor's fault you exercised poor judgment and/or weren't monitoring your account.
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#3 Yesterday, 03:31 AM
swalsh411
Senior Member Join Date: Dec 2009
Posts: 2,937

Was this "fiance" any chance a "woman" you met online but never actually met?
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#4 Today, 02:01 AM
sandyclaus
Senior Member Join Date: Mar 2009
Location: Sunny SoCal
Posts: 1,908

Quote:
Originally Posted by bambam323
California

So I agreed to put my fiance as an approved user on my credit cards before realizing she had been playing me.

In a matter of a couple days, she took out TWO $12,000 cash advances from my cards. I was never contacted or alerted and the advances went through with no problem.

What my question is, are the credit card companies at fault for approving multiple, high dollar cash advances in such a short amount of time without contacting me or temporarily freezing my account?

While she had authority to use my cards, I would think such large amounts should set off some alarms. Is this predatory lending? Aside from personal lawsuits against her....do I have any legal recourse to avoid paying back this debt??

Thanks in advance.

Hey, YOU were the one who authorized the woman as an approved user on your credit card accounts. The bank has no idea how far this approval goes, just that she was authorized. Your decision to allow her to use the cards means that the bank has no requirement to notify you of anything regarding the use of said cards. She has just as much right to use the credit cards the same as you might.

Sure, the bank might have contacted you if they were concerned about an exceptionally high amount of charges on the cards in a short amount of time. But then they would ask you if this woman was an authorized user on the card accounts (which she was), and any investigation would be over and done with.

Your bad decision to give this woman carte blanche over your credit accounts was an extremely poor choice on your part, but you cannot hold the bank responsible for your lack of good judgment in this situation. As the previous poster said, you will have to pay off the advance money to the bank and then sue the fiance to recover it.
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#5 Today, 03:37 AM
Free_Advice
Member Join Date: Jun 2011
Posts: 154

I don't see anything wrong with what the girl did....you have to start treating your future wife as she is accustomed to be treated.

I await the future financial dealings of your lady when she becomes you wife.


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#6 Today, 10:10 AM
Hot Topic
Senior Member Join Date: Jun 2006
Posts: 4,376

Quote:
Originally Posted by bambam323
California

So I agreed to put my fiance as an approved user on my credit cards before realizing she had been playing me.

In a matter of a couple days, she took out TWO $12,000 cash advances from my cards. I was never contacted or alerted and the advances went through with no problem.

What my question is, are the credit card companies at fault for approving multiple, high dollar cash advances in such a short amount of time without contacting me or temporarily freezing my account?

While she had authority to use my cards, I would think such large amounts should set off some alarms. Is this predatory lending? Aside from personal lawsuits against her....do I have any legal recourse to avoid paying back this debt??

Thanks in advance.


Your ex-financee was approved to use your credit cards. Why would the credit card companies assume that you approved her use but only under certain circumstances, as in, "She can charge x number of dollars, but she can't charge z number of dollars?"

Sue her. You have no legal recourse for "getting off the hook" because of your foolishness.
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#7 Today, 02:31 PM
bambam323
Junior Member Join Date: Apr 2010
Posts: 4

I thought there might be some professional, legal advice here. But thanks for the opinions and judgment. It was a tremendous help.

I'm sure we've all had our credit card accounts temporarily frozen when fraudulent activity has been suspected. It usually takes a phone call to get it cleared up. I simply expected that a $12,000 cash advance might qualify as a red flag.


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#8 Today, 02:32 PM
Antigone*of*Greece
Senior Member Join Date: Dec 2007
Location: In honor of JetX ~ Somnambulist University
Posts: 14,332

Quote:
Originally Posted by bambam323
I thought there might be some professional, legal advice here. But thanks for the opinions and judgment. It was a tremendous help.

I'm sure we've all had our credit card accounts temporarily frozen when fraudulent activity has been suspected. It usually takes a phone call to get it cleared up. I simply expected that a $12,000 cash advance might qualify as a red flag.

Hello McFly Not by an authorized user especially one who has been authenticated by a teller.
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