What is the statute of limitations on Identity theft in California?

Posted on December 6, 2011 by

In 2005 My little bro. decided to use my personal I.D (drivers license) when he got pulled over for a traffic violation. This happened a few more times in 06,07 and stopped in 08. I filed a police report maybe two months ago 6-2011 and would like to know what the statute of limitations is on this crime and how much jail time if any. This all happened in the State of California
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Posted in stop identity theft | Tagged , , , , | 1 Comment

The laws over insurance repairs and frauds prevention how it works?

Posted on December 6, 2011 by

I mean we all know that whoever faults at accident gonna pay for repairs from their insurance.

However my questions is what if I buy used car that have little damages on it. As I drive on road, maybe a month later somebody cause accident to my car and police rule out it’s their fault.

So how can their insurance pay for my car repair from new accident if I already have damages on my car before I buy them?

According to a law, once accident happened the insurance only pay for repair from new damages not from old damages. It’s insurance fraud if they pay for whole repair that is not part of their causes.

Example: I buy a car with rear bumper damages, just little paints and dents on rear bumper. When the accident happen, it cause rear bumper to fall off and it needed new bumper, how can insurance pay for new bumper if some of it was already damages when I buy those car?

They might write off but if car is value at 10K and cost repair is 800 dollars then it cheaper to fix but how? How without insurance fraud?

Posted in fraud prevention | Tagged , , , , , , | 4 Comments

Why do we need to carry and show social security cards as they are not photo IDs and invite identity theft?

Posted on December 6, 2011 by

In applying for a marriage license, I am required to show a social security card. My fiancee can’t find hers, so what’s to stop me from forging one on a computer, or anyone else for that matter? Why is do much importance given to such an easily forged and damages document? If they were made more like drivers licenses with security features, I might value it more.

Posted in stop identity theft | Tagged , , , , , , , , , , | 1 Comment

Debit Card Fraud…Refund?

Posted on December 6, 2011 by

I was notified by visa fraud prevention center that someone in Colombia in South America has made a counterfeit debit card and used a valid pin to withdrawal $200 six times in one day ($1200 Total) I haven’t even been there before and I have my card with me all the time. They canceled my debit card, told me to go to the bank, fill out a form, and that they’ll look into it. My question is, are they more than likely to refund my money?.,,
This is part of my checkings account for SuncoastFCU

Posted in fraud prevention | Tagged , , | 3 Comments

Is it bad if your bank calls you b/c you spent too much money on your credit card?

Posted on December 6, 2011 by

I got a call about fraud prevention. I spent like $2000 on a new laptop and I started being bombarded with phone calls? Should I not have spent this much? Will they take away my credit?

I haven’t even reached the limit on my card so I was a little surprised by the response that I went ahead and canceled my order even though I really need a new computer.

Posted in fraud prevention | Tagged , , , , , , | 6 Comments

Econ 101 questions!! SOMEONE HELP!!!?

Posted on December 6, 2011 by

1. Economic regulations help fulfill Adam Smith’s idea of a laissez faire economy.
-true
-false
2. One of the main reasons for increasing economic regulations in the United States is the increasing population.
-true
-false
3. Increasing the discount rate in order to decrease the money supply is an example of fiscal policy.
-true
-false
4. In a recession, fiscal policy calls for the government to decrease taxes and increase spending.
-true
-false
5. Monetary policy alone is the most effective economic policy.
-true
-false
6. When the Federal Reserve sells government securities, it results in a decrease in the money supply.
-true
-false

7. Which of the following is a function of our current banking system?
A.lending money
B. acting as a medium of exchange
C. regulating the money supply
D. determining the value of money

8. The purpose of economic regulations in the United States is to
A. undermine the free-market economy
B. limit the individual freedoms of all Americans
C. promote economic growth, stability, and equity
D. control population growth and birth rates

9. The Department of Defense is an important part of the economy because
A. it provides consumers and businesses with protection and a sense of security when making economic decisions
B. it protects human health and the environment so consumers and businesses will be safe
C. it develops military strategies during times of war
D. it provides banking insurance so depositors’ money is protected when it is placed in bank accounts

10. The Environmental Protection Agency (EPA) impacts the economy by
A. developing and enforcing regulations that protect human health and the environment
B. providing consumers and businesses with protection and a sense of security when making economic decisions
C. providing banking insurance so depositors’ money is protected when it is placed in bank accounts
D. creating and enforcing truth-in-advertising laws to protect consumers

11. Crazy Eight is very excited because he is opening a new business. He purchased a building, equipment, a license, and computers, and he remodeled his building. He also was able to acquire a patent for his new idea. He invested all his savings in the new business and he is hoping his new business will take off. Crazy Eight was able to open this new business because
A. he is leasing the building from the government under an agreement he will manufacture what the government orders
B. the government guarantees he is able to own property and ideas
C. he is a good businessman and will succeed
D. he is able to bypass all the government regulations in order to open an illegal business

12. John Furry purchased a vacation package from a telephone solicitor. The person asked John for a two-hundred-dollar deposit via credit card in order to reserve his package. John gave the solicitor his credit card number, but he never received the vacation. The agency responsible for investigating this fraud is
A. the Environmental Protection Agency
B. the Consumer Product Safety Commission
C. the Food and Drug Administration
D. the Federal Trade Commission

13. In the United States, income tax is an example of a (ANSWER) tax, while sales tax is an example of a (ANSWER) tax.
A. progressive; regressive
B. regressive; progressive
C. proportional; regressive
D. progressive; proportional

14. What economic concept do the Fourth and Fifth Amendments to the Constitution identify?
A. private ownership of property
B. competition among businesses
C. regulation of monopolies
D. the organization of the Federal Reserve

15. John Maynard Keynes believed that all economic problems are caused by
A. unemployment
B. inflation
C. decreases in business sector spending
D. the GDP

16. In order to control inflation, governments might
A. sell government securities
B. increase taxes
C. decrease government spending
D. all of the above

17. George Sparks has just been laid off. He had an excellent job as a computer programmer, but due to company cutbacks he lost his job. While looking for another job, he is able to collect unemployment insurance. This is an example of
A. discretionary fiscal policy
B. monetary policy
C. an automatic stabilizer
D. taxation

Posted in credit card fraud protection | Tagged , , , | 1 Comment

Paypal needs tracking verified to credit **SCAM??**?

Posted on December 6, 2011 by

i hhad a long conversation with this person on craigslist and i got 2 legit emails (or so i think) that say for protection of both the sender and the receiver, paypal is holding the money until i ship the item and confirm through tracking, the address was from ” service@paypal.co.uk ”

here is the 1st email

” From: service@paypal.co.uk (funding.requirement@consultant.com)
Medium riskYou may not know this sender.Mark as safe|Mark as unsafe
Sent: Tue 9/09/08 3:22 AM
Reply-to: funding.requirement@consultant.com
To: kevingatch@hotmail.com
PayPal

Dear kevingatch@hotmail.com,

This email confirms that you have received $530.00 USD from trogers@eufaula.rr.com
Ruth Elaine is a Verified Buyer

View the details of this transaction

Payment Details
Transaction I.D: 5Y758872CS5622823

Item Title Quantity Price Subtotal

Ipod Touch
1 $430.00
USD
$430.00
. USD

Shipping & Handling via Usps Expressmail Intl
(includes any seller handling fees)

$100.00

USD
Shipping Insurance (optional) : –
Total: $530.00 USD

Shipping Information
Address: Name:Phillip James
Address;block 11,academy road
City:Ibadan
State:Oyo state
Country:Nigeria
23402
Address Status: Confirmed
Note:Ruth Elaine has provided a confirmed Address and want you to ship the item via Usps international priority mail(EMS) to this address .

Ruth Elaine provided Confirmed Address and Payment has been “CONFIRMED” fund will be credited into your account, Note that shipment will be verified before the payment can be credited into your account.

We therefore implore you to dispatch the item and provide the Customer Care section
verified.helpdesk@representative.com An evidence of (Postage Receipt or Tracking number and the Courier Service).You will then be sent a URL that will link you into your account.This is to secure both the buyer and the seller. Bear with us for any inconveniences this might have caused you.

Copyright © 1999-2008 PayPal. All rights reserved. PayPal (Europe) Limited is authorized and regulated by the Financial Services Authority in the Europe as an electronic money institution. PayPal FSA Register Number: 356007.

Thank you for using PayPal!
The PayPal Team

PayPal Email ID PP370″

HERE IS THE 2nd

” RE: **** A WEALTH OF PROTECTION FOR OUR CUSTOMER****‏
From: kevin g (kevingatch@hotmail.com)
Sent: Tue 9/09/08 4:53 PM
To: funding.requirement@consultant.com

Date: Tue, 9 Sep 2008 02:34:30 -0700
From: funding.requirement@consultant.com
Subject: **** A WEALTH OF PROTECTION FOR OUR CUSTOMER****
To: kevingatch@hotmail.com

A Wealth of Protection for Our Customer

Your protection is one of PayPal’s biggest priorities. By using the very latest in secure technology and employing a large team of experts in all areas of online safety, PayPal continues to be a leader in safe online payments around the world.
PayPal protects her customers in ways that many other financial institutions do not. For instance, card issuers often charge for their fraud prevention tools, but at PayPal you’ll find the same tools for free. Not only that, but unlike many of our competitors, PayPal’s fraud experts work behind the scenes, monitoring activity and possible fraud indicators to help ensure an extremely safe network.
Read about:
PayPal versus the Competition | Prevention | Action and Resolution
Dear (kevingatch@hotmail.com),
This message is originated from PayPal company.We have received an order from our client Ruth Elaine regarding the payment made to your PayPal account.
The payment has been successfully made but due to security reason we have to receive the shipment tracking number that will be given to you after shipping the item to the buyer specify address before the next 24 hours for the processing of your order. This a new measure we are taking to protect both our sellers and buyers against fraudulent customers.
Once you have shipped the item send us the shipment tracking number for verification after the tracking number has been verified your account will be credited instantly.
This PayPal® payment has been deducted from the buyer’s account and has been ” APPROVED ” but will not be credited to your account till the shipment reference/tracking number is sent to us for shipment verification so as to secure both the buyer and the seller. Below are the necessary information requested before your account will be credited. Send tracking number to us or email us through this mail verified.helpdesk@representative.com

**PLEASE NOTE**
Once shipment has been verified and the tracking number sent to us, You will receive a “CONFIRMATION Email” from PayPal® informing you that the Money has been credited.
Note: Craigslist and PayPal will be responsible for the item loss or damage once we receive the tracking number.

Thank you for us

Posted in credit card fraud protection | Tagged , , , , , | 2 Comments

HOW DO I CLEAR MY NAME WITH A FORMER EMPLOYER?

Posted on December 6, 2011 by

This past January I was working for a local Credit Union. I was only a month and two weeks on the job and in my probationary period when I had a significant teller difference. I was terminated from the job for having a teller difference that could not be recovered in a forty-eight hour time period. The fraud investigator accused me of taking/borrowing the money based on a fabricated, laughable story to give reason to her belief that I would steal the money. She also did a hard inquiry on my credit report without my permission. She claimed there was ‘questionable activity’ on the video tape, and when I asked for her to show to me what she thought was questionable, she refused and said, “I don’t have to because it is Credit Union property”.

Recently I had to file a claim with my credit card company to use the insurance protection I have on my account in case of death, sickness or involuntary unemployment. My former employer had to fill out a portion of the form, so I sent off the part of the form that only had to be completed by them.

Someone in HR filled out the form, sent me a photocopy of the completed form and sent off the original to my credit card company, which I had asked to be sent back to me because the form was two parts and not one. That pissed me off because whoever filled out the form didn’t follow the directions I sent to them. And on the form for the reason I was terminated, the HR representative put “$XXXX missing from cash box” instead of just putting “Teller difference”.

I am worried because the representatives at my credit card company may read the reason I was terminated and assume I was terminated for stealing, which would affect my claim.

I am wondering if I need to obtain an attorney to clear my name with this employer because I feel that they are still falsely accusing me of theft. I also feel that it was malicious on the part of the HR representative to put “XXXX missing from cashbox” instead of “Teller difference” for the reason of my dismissal because of this false belief.

What do I do?
I have excellent credit actually. My credit is in the 700 range, I have never made any late payments,or defaulted on anything, so my credit is no problem. I consented to a credit check when I was first hired and I don’t recall signing anything to where they can pull my credit any time they feel.

The reason I am asking if I need an attorney is because the fraud investigator falsely accused me of taking the money. When I asked her to prove to me her allegations, which are untrue, she refused to do so.

I didn’t steal anything. I had a teller difference and their policy is to only investigate for forty-eight hours. My career in banking isn’t over when I have never done anything wrong to begin with.

Posted in credit card fraud protection | Tagged , , , | 2 Comments

Does Yahoo offer a free credit monitoring service?

Posted on December 5, 2011 by
Posted in credit monitoring services | Tagged , , , , , | 1 Comment

Has anyone else been affected by third party collection agencies?

Posted on December 3, 2011 by

In 2006, my husband and I filed chapter 13 bankruptcy. We were living to next to nothing during that period. I had to quit my job as a nurse aide because of a shoulder injury so that impacted our budget pretty hard. We paid all of our bills on time and still had a little money left over. In April 2007, our plan was confirmed and we had no debt except the court payments and regular bills. July 2007 we moved from a rental unit to an apartment which was much closer to my husband’s job. Gas was close to $4 a gallon and the transportation costs were sky high. We always had problems receiving our mail at our old unit. We received other resident’s mail and vice versa.
I was concerned the first few months at living at our current address because we received very little mail. I finally contacted all of my utility companies and car insurance only to find out that all of my mail was being mailed back to them. I managed to clear up the mess, but important bills were now a few months late and we had to make payment arrangements with all the companies involved. We had two catalog companies that I bought my clothes through sometimes and had a small line of credit with them. I paid all of these companies off eventually.

In 2009, we received a letter from a debt collector stating we had an open credit card. I asked them to verify the debt. I never received any letter back from them. They kept on sending out bills though but couldn’t verify the debt. I sent the letters to my bankruptcy attorney and the bills stopped. A few months passed, another collection agency, same debt. Same thing happened as the first. Six months later, another collection agency, same debt, same response. Never heard from any of these collection agencies again. I finally got fed up and put a fraud alert on our credit report. The alert was released in January, guess what a new collection agency contacted my attorney regarding the same old credit card. I talked to someone at our attorney general’s office, the fact that they don’t have our old address is suspicious because we never have taken out any credit cards since filing the chapter 13. This is why I’m suspecting ID theft. I checked my credit report just last Saturday and found another credit card that couldn’t be mine. So this makes 2 suspicious cards that probably aren’t ours because we never applied for any cards. What can you do to stop the possible ID theft credit card from being acquired by other junk or third party debt agencies? Has anyone else dealt with ID theft? We are currently under bankruptcy protection so I believe that no one can sue us. I did find out that the credit card holder wrote off this debt as a bad debt. We have never ever been contacted by the original creditor. Thanks
I just filed a complaint with the FTC about the credit issues. The counselor suggested contacting my local police and filing a police report with almost certain ID theft. You think it can’t happen to you! I had horrible credit and still someone managed to get credit off of my poor credit rating. I probably now will have to take steps to clear up the ID theft. I will never, never ever use credit cards again. Look what they’ve done to our country. Thank you for all of your answers.

Posted in credit card fraud protection | Tagged , , , , , , , | 4 Comments