teamuse OP t1_j6lt4lr wrote on January 31, 2023 at 5:54 AM

Reply to comment by IAmNotTooMuch in Tell restaurant about potential credit card theft? by teamuse

Thanks -- if I call, I'll just ask if they have it and not go any further. I've already disputed the charges and canceled the card. The CC company were the ones who asked me if I'd made a police report -- but I don't feel right doing that when I have no proof and there could be another explanation.

tbuds t1_j6mm708 wrote on January 31, 2023 at 12:13 PM

You just file a police report and state the facts that you lost your card and there were fraudulent charges, you don't have to dime out the company if you don't want to.

The CC company wants to know if you're serious about the charges being fraudulent and a police report will help show you're not lying about the charges to get free stuff.

IAmNotTooMuch t1_j6mujt7 wrote on January 31, 2023 at 1:32 PM

I imagine it varies but I’ve never had a major credit card company require me to file a police report and have always had them immediately reimburse me the amount. If they care enough to track down the issue (a high enough threshold), they usually investigate it themselves and get the money from the vendor or elsewhere.