Mine Credit Card
Reginald Hanfy
I am getting expenses showing up that are not mine. They are from a credit card that is not in my profile. I usually just delete the transaction but this is getting annoying. Anyone know how to keep these expenses from showing up on my Concur account?
I don't know how another card got linked to my account. When I go to edit credit card information, my card is the only one that is listed. When I click on one of the transactions the last four digits of the credit card used does not match mine and again, does not show when I go to my profile settings.
It could be that the card was associated to your account wrongly in SAP Concur under Card Admin. If you are not the Card admin in Concur, kindly check with the admins to unassign the card from your Concur account.
@rbingaman I see exactly what the issue is. Somehow your colleague's card also got assigned to you. So, for now, I would keep deleting the transactions. They don't delete out of the system, they just become user hidden. Then, go to your Service Now portal to submit the issue. You can find the link by signing in to your SAP Concur profile and looking in the Company Notes section. Explain that the that there is another user's card also assigned to you. I will send you a private message here on the community with the other employee's name.
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I sent a friend a listing from a shop on Etsy so she could look at it. I was shocked when I saw under the listing a "BUY IT NOW - and the last 4 digits of my credit card number"!! I honestly didn't believe this happened - so as a test - I went into her shop and sent her one of her listings - SURPRISED - it had a "BUY IT NOW - and the last 4 digits of my credit card number"!!
Your card numbers are not public. Only you see them, it is a standard practice on sites you shop at regularly and have default cards saved. They show you and ONLY you, the last four digits of the default card when you shop, so that you know in advance how you will be paying and have an opportunity to use the standard checkout instead of the Buy Now quick checkout if you prefer to use a different card for the current purchase.
There's nothing illegal about that since only the account owner (that's me) can see that information. Should your friend - logged under HER OWN acct see the last 4 digits of YOUR cc # then you can "possibly" say that your acct. has been compromised & can seek legal action/counsel. There's nothing Etsy can do as it's really not an issue.
@ArtistInJewelry Sorry you're upset, I understand. Rest assured your number isn't compromised because of Buy it Now. It's just because you're logged in. I advise you add your CC back in so that Etsy can pay you. Then try viewing your shop (or any shop) from a logged out browser and you will see that Buy it Now button not there.
IMO it's the "creepy factor".
When I browse on eBay, Amazon & other sites that have my credit card on file, if I hover over a "buy it now" or similar link, the last four digits of my credit card are not displayed.
I never see that info until I go to check out & then I need to confirm that's the credit card I want to use.
I look at this as another move by Etsy to try & encourage sales. Sort of way to say "check out will be easy, we already have all your info".
It's not a security risk, though it may be a financial one if you let anyone & everyone in your family use your device to shop here & you never sign out.
Get a second card. Use one card ONLY online, and the other ONLY for in-person purchases. Not only will you have a back up in hand should one card be compromised, you'll have a clue as to where the compromise occurred.
Then set up online monitoring for both cards. It's pretty easy to do. Check balances/new charges REGULARLY - at least every couple of days. You'll know right away if a card is compromised. The faster you can report an illegitimate charge, the better - for both your card issuer and yourself. There's a very good chance you won't even be billed for promptly reported erroneous charges.
I recently disputed two credit cards that are not mine. They were charged off in 2006 and sold to LVNV Funding. LVNV opened this collection a few months ago. I have no knowledge of these credit cards. I never gave my consent to anyone to open these accounts in my name. The results of my Experian dispute says 'Processed'. I looked at the updated credit report and LVNV updated my account. What should I do now? The OC is First Premier Bank. I never signed my name to anything saying I was responsible. I am very discouraged. I disputed several other accounts and they were removed. Should I write a DV letter or should I wait until they contact me? These accounts are due to come off in 2013. I'm planning to buy a home and I'm trying to clean up my credit. One more question....I paid nine collection accounts in full. All but two were removed. I'm trying to get the other two removed. All of them but one were medical. One was an AT&T cell phone bill. After paying these accounts my score was brought down 70 points. Will my score go up any now that these are removed? I know it may take several months. Any help is greatly appreciated.
2. The other two collections - if you can get them off great, but if not, don't worry too much. Make sure they are reporting as paid. Any score hit you experienced when they updated to paid should dissipate in a month or two.
3. LVNV - probably something that should be dealt with head on. They have a reputation for being determined to get their money. If this was me, I would seriously consider the time line and the dollar amounts.
* think or do some research - is there any chance that an old cc didn't get paid? that a cc changed names? I don't remember all the names, but I do remember First Premier went through some change back in 2004? I can't remember if they bought a bunch of accounts or sold them.
Thanks for the reply. I read somewhere I should dispute with the OC because they were the one that charged the debt off and that is the one that is hurting my credit. As I said they were charged off in 2006. First Premier last reported in 2009 and LVNV started reporting a couple of months ago. The balances combined are about $1,200. A lender at my bank told me not to worry. But I'm worried. I want to buy a home within the next 6-9 months. I live in WV and I believe the SOL for credit card debt is 5 years. Thanks for your help.
I had no idea it was on my credit report until a month ago. So it would be a good idea to dispute with the OC? The last time the OC reported was in 2009. Would it hurt my credit if they updated? I'm sorry for all the questions but this is the only forum I can get good advice from. Thanks!!
If you have any account, whatever its status, appearing in your CR, and the account is not yours, I suggest that you begin by using one of the most powerful discovery tools provided under the FCRA. I would not pursue this by way of debt validation under the FDCPA, as the debt collector does not possess the evidence you need, and you cant DV the OC.
FCRA 609(e) provides consumers with a limited "discovery" right to information related to identity theft. You can compel the creditor to provide you a copy of the business transaction records of the account and a copy of your supposed application for credit. To obtain this right, you need to first file a police report, and send that to the creditor as documentation of your assertion of identity theft. Read FCRA 609(e)(2) for the required elements that they can first request before sending.
If it were me, I would go to the police station and ask to file an ID theft report. Take the collection letters with you (but don't doffer them). Tell the police you found out that two credit cards had been opened in your name and the cc's want their money, but you have no knowledge of the cc's.
Yes, the police report is the first step. The significance of the police report is that the FCRA wants more than just any 'ole assertion that an account was opened without your knowlege or authority, and thus was most likely the result of identity theft. A police report is a sworn statement before a law enforcement agency that carries criminal charges for knowingly false statements made therein. It puts your assertion in writing with some assurance that statements therein are truthful.
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