My BF and I doing business with the same company, a very well respected local company. Actually, I used to work there.
So I am at one location and put a $65 charge on my card. My credit card, to which he does not have access, nor is he a signer.
He’s at another branch 2 days later, and charges $700 on his card, to which I don’t have access etc. And then again a week later he charges $1200. His charges are related to his work as a contractor.
Opened my credit card bill yesterday, and his charges are on my bill. I called the local company, they’ll “look into it,” I will call the CC co. if I need to, of course. My BF says he doesn’t clearly remember, but is pretty sure he passed over his card and signed for his purchases.
WTF?
Is it safe to assume there’s no chance he might have been carrying your card (like if you’d inadvertently switched cards after paying at a restaurant, or something like that)?
And while we don’t share a last name, I know that they know we’ll “with” each other. And he has 5X the $$ I do, so I can’t see his card being declined and even if, can they just dump stuff on mine??
Nope. Didn’t happen.
If he’s a contractor and in the business of contracting … he has to save those CC slips for 8 years … check them and see which CC number was used …
For future safety - put a sticker or something on one card so you’ll know which is which - I assume they look the same. But, yeah, it sounds like a switcheroo.
Yeah, 100% not a switch. 2 different banks, 2 very different looking cards. We don’t mix any funds or monetary operations at all.
And yeah, by the time we got the mail and opened it, he was too damn tired to go thru his statements, so he can check today, I hope. They did say a new computer system had been playing hell with stuff like this.
All I can do, I guess, is wait them out and if I remember, report back. There’s always the option to dispute I guess. It’s just the damnedest thing ever.
If you’re sure there is no chance your card was used, then dispute it right away. You don’t even have to tell them anything about your relationship. Your card was not used, you cannot be responsible. I assume the only thing linking you would be the same address and phone number possibly.
OTOH I see absolutely no way this could happen. Assuming the card was swiped (or used with a chip), everything would have been handled by computer which would know the account.
But do not wait too long if things don’t clear up. You must send a letter of dispute within 60 days of the statement on which the error appeared.
Did he make these purchases by phone, per chance? This sounds shady to me.
And whats with ‘he doesn’t have time to go through the receipts’?
If the OP & the BF share a residence, they may share a landline phone. If the cashier asks either customer for their phone number to pull up their account it’s possible they didn’t pay any attention to the details after that. If that account has a previously used credit card on file they’d just click [charge] and that’d be the end of it.
I have a vaguely similar problem at Amazon. I have 3 shipping addresses and 3 credit cards on file with them. One personal and two business. There are 9 possible combos of address and CC. Three combos are common and right, two are uncommon and right, and four are always wrong. Amazon is forever trying to guess which one to use. And keeps guessing a wrong one despite it never having been used by me.
If the cashier at the place BF buys his goods was looking at something similar it’d be easy for dumb stuff to happen.
This may not match the kind of retailer or kind of software they have. But there’s a bunch of ways for the card to be linked to one or both people that could lead to the right card used for the wrong thing.
I am thinking more along the lines the BF was phoning in an order and using the OPs credit card number, for nefarious reasons. It seems to me BF is dragging his feet on checking the statements or receipts. What is that about? It just seems fishy to me.
Doesn’t this imply the possibility that someone could give a phone number and then, if the cashier asks “Are you X?” (they aren’t) say “yes,” resulting in a charge to someone with no way to ever prove who really made the purchase?
IOW, I go to check out my $789.27 of sex toys. Cashier asks for a phone number. For personal reasons they enter it wrong. “Are you LSDGal?” they ask. Having nothing to lose I say “Sure.” Bill goes to wrong person and I was wearing my wide-brimmed hat and trench coat so there’s no usable camera shot of my face or way to track me. Score!
I know it’s unlikely, but if they’re going by a phone number instead of the CC number, it seems possible.
Surely they are not charging to accounts solely based on phone numbers. That seems wrong to me. And, I don’t believe that. I would lay odds the BF is scamming the OP.
Dispute the charges immediately. Cancel the card and get a replacement. Then pursue it with the BF.
Do it today!
Me thinks there is some pertinent information being omitted from this story.
Me too!
It’s interesting that essentially all the people jumping up and down that this is fraud are female and most of the folks asserting innocent error are male.
I wonder what that means?
My credit cards are in a wallet app on my iPhone. Anytime one of my cards is used, I get a pop up message on my phone. It’s very handy. It also gives tip calculations if I’m in a tipping situation.
“Your xxx card was accepted for $123 at LePooferie Restaurant. If you’d like to tip 20%, that would be $22.00”
“Your abc card was accepted for $12.00 for Netflix”
The app also allows me to look at each card’s recent purchases. Should I need to dispute/question a charge, it can be done right through the app.
Ding ding ding!
IMO, what th OP is describing could not have happened. Whether on purpose or accident the bf used her card.
Agree that he was “too tired” the check receipts sounds sketchy.
double post.