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Speaking from actual experience
Originally Posted by
TheRef
So I had $601 of fraudulent online charges to my bank account. I have the company working on trying to pin down the IP/name of the person(s) who used my information, and already working with the bank to refund my money.
My question to you, should I press charges and/or file suit against those who used my information if I'm able to identify him/her/them? Also, if I do press charges, what would they be? Let's assume that the people who used the information were not in MS but within the bounds of the U.S.
Don't waste your time or money. In the end any money that you lose will be compensated by your bank or credit card company once you file a report with your local PD...unless you have a terrible bank/credit card company. There are A LOT of moving parts as any suit will come down to jurisdictional boundaries and whether or not the person is in the continental U.S. 99% of the time these folks are in Germany or the Middle East and NOTHING will come of it but you will pay A LOT for an attorney to pretend they are doing something. Trust me on this. Cool down...drink a beer...be glad you caught it. The stress and money you will save will be worth it. This happened to me...twice...the first time I didn't know and spent a lot of money. The second time I reported it and got my money back and that was it. I also closed my account with that bank after I got my money back.
Incidentally, over 5 MILLION debit and credit card numbers were stolen over the past five years from several restaurants in Florida and south Alabama and that's where a lot of this is originating. Hacked via some German hackers. Nazis....I hate Nazis... The FBI is supposedly investigating.
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