$2800 fraudulent charge on Paypal Extras MC!! Please help!!!

[Anonymous]

I did file a police report but the investigator said he isn't sure he can do anything. My ex assaulted me and put me in the hospital over the weekend. He was previously an authorized user on my account. I recently took away his card and removed him as authorized user on my Paypal Extras and my Citi card prior to this incident. While I was in the hospital, he went through all of my things and found the card and spent $2800 on an attorney!! So, although I removed him as an AU and took the card from him, the investigator said it will be difficult to prosecute him. 😭😞

[CreditCuriosity]

Look at this way other creditors will see you pushing up against your CL and see it paid off or down to zero and possibly give you higher CL's in the future or CLI's for being responsible with using credit and "paying" it back quickly.. As echoed above FICO has no memory after a month depending when Sync reverses the false charge and gives you credit for it.

[coldfusion]

---

@Anonymous wrote:
I did file a police report but the investigator said he isn't sure he can do anything. My ex assaulted me and put me in the hospital over the weekend. He was previously an authorized user on my account. I recently took away his card and removed him as authorized user on my Paypal Extras and my Citi card prior to this incident. While I was in the hospital, he went through all of my things and found the card and spent $2800 on an attorney!! So, although I removed him as an AU and took the card from him, the investigator said it will be difficult to prosecute him. 😭😞

---

Take some solace in the thought that your ex will be having a unpleasant conversation with a very unhappy attorney once the $2800 charge is reversed.

[AverageJoesCredit]

Wow, sorry to hear, please stay safe, i think the bigger issue here will be hopefully your safety with your ex. Credit issues take a back seat to our safety and well being. Hoping everything turns out ok

[kilroy8]

Wow, this is a mess for you. Hope it all works out.

[CreditInspired]

As AJC said, your safety is paramount.

I am confused though because the story is slightly different. So, I am really hoping that the CCC removed him as an AU before he made the 2800 charge because if they did not, unfortunately, you would still be responsible for any charges the AU made. Im keeping my fingers crossed that he was removed.

Take care and be safe.

[Anonymous]

He was definitely removed as an AU before he made the $2800 charge.

[CreditInspired]

Thank Gawd.

[HeavenOhio]

@Anonymous, the bank can't refund a pending charge until it posts. Once it posts, Synchrony can refund it. At that point, the "investigation" will likely be open for a few weeks. But direct involvement between you and Synchrony should be done. You'll have activated your new card, and your balance will be back where it was.

It's too bad this had to happen at statement time, though. Once the charge is refunded, ask them to report your balance to the credit buruaus. Synchrony isn't known for reporting upon request. Just tell them that you don't think your credit should suffer for a month because of this. Can't hurt to try.

[Anonymous]

Thank you for the great advice. I am just so distraught over this whole mess.