What would you think in this situation?

[Key]

Charge card bill arrives. It has a number of mysterious transactions on it. Call charge card company. They say they will investigate and get back to you. They call back an hour later asking if you have spoken to your husband about the charges as the calls are to sex lines. Knowing your husband it isn't likely but people are surprised about such things at times. You have also used your charge card as ID before so know that store workers have had access to the details they would need to give over the phone. So it could be anyone really and the charge card person has said it does happen at times that someone does this with someone else's charge card details. One day when one of the calls was made was your birthday and your husband was home all day though he did have a rest in the bedroom that day which contains a phone. Which would assume he would take the risk when you are there. Your husband denies any knowledge of the calls. You also know that your husband knows you see the charge card bills as they come in. Do you trust your husband who has given you no reason to doubt him in the past? Since then you have cancelled the charge cards and got new ones and nothing has happened outside that timeframe.

Check the phone bill, that will tell you all outgoing and incoming calls, and numbers, from your house and even cell phones.

This is what you should do anyway to get the charges removed, also you can trace back from where the sex calls were going to find out who stole your card and used it.

And, unless your husband is against this, there is no motive for you not to trust him.

It is your money (Yours as in both of you), and you are entailed to not be taken advantage of, if someone is using your credit cards, you need to peruse them and press charges!

God Bless

 

[Martinius]

In a case like this, where you don't really know how the scammers got your credit card info, you want to check your credit reports and possibly place an alert on both your names, so that if anyone tries to obtain credit under your name the lender would have to verify it with you first. You don't know what other info they may have about you in addition to your credit card numbers. And by checking your credit report, you can see if there is been any other suspicious activity. Contact any of the three credit bureaus about reviewing your report and placing alerts.

And don't forget to exercise your rights with your issuer regarding fraudulent use of your card; It should all be detailed on the back of your credit card statement. You may end up with no liability for the calls, or very little.

This type of thing is not unusual at all, and it seems like it was done by someone you know or dealt with who got a hold of your card info and used it to make the calls. I have seen this happen with family members and acquaintances quite often (someone who comes into your home or can get access to your cards' info). If it had been a "real" ID thief the charges would have been much higher and not for sex-line calls. More like for big ticket items at Best Buy and Walmart.

Personally, I think your husband is obviously in the clear. Somebody else scammed you.

 

[dinonum]

I'd trust my husband, but obviously there is a need to investigate. You may be able to get a hold of phone records to prove to the card company that it wasn't one of your phones, which also should prove to them that it wasn't your husband. Unfortunately, if they have any reason to doubt that though, they may just put off the problem.