Credit Cards, Rating, Repair What is the responsibility of stolen credit card numbers?

[rayrayray]

I have a credit card with a bank that was somehow stolen. I still have the card but i think that somebody in a store might have saved the numbers and wrote down the code that you have on the card when i left a store. that is the only thing that makes sense. Somebody went Christmas shopping online with my card and shipped stuff out of the country. I discovered this when i saw my statement this month with a lot of charges that i didn't make. I called up the bank and told them what happened but the person said that i might have to show that the charges weren't mine because they are made in the same state i am in, which is new york. They were giving me a very hard time but i know that i didn't charge these items and i know my wife didn't either. i thought that fraud wasn't my fault but they said that there is a time limit to report the fraud and i don't think that waiting 3 weeks was too long because how was i supposed to know? They have an investigation going on. I am pretty sure it will be fine but i am not sure of my rights if they decide differently.

 

[army judge]

Here, OP, take a look at this.

it explains rights and responsibilities.

It also tells what you might do if you aren't satisfied.

http://www.consumer.ftc.gov/articles/0213-lost-or-stolen-credit-atm-and-debit-cards

 

[rayrayray]

Oooh, that is a great link. Thank you! These areas contain so much fine print.