We have been victimized by Credit Card Fraud.It is not yet certain if you *have been* victimized, or if you *will be* victimized.My husband got a call around 8:15 tonight from MBNAHow did he determine it was actually MBNA calling him? Particularly since MBNA no longer exists.had used our credit card at an ATM in Toronto for $4900That's very strange, because most ATMs have a dollar limit that can be taken out that's way lower than that, and your credit card itself should have a daily ATM limit that's lower than that (check your terms and conditions).When we called them back,Whom exactly did you call back? Are you sure you called a number belong to MBNA/BoA?What information did you give to these guys on the phone?They said that someone had called from our home phone number this morning at 7:48 and requested a PIN from the number.Why would they tell you this? And why would any card issuer give out PINs willy-nilly just because the caller ID matches?MBNA is saying that because a PIN was used that we are responsible for the $4900.Then why would they bother calling you with a fraud alert?Based on my reading of the EFT act, your liability is limited to $50 if you report the card stolen as soon as you know about it.None of what they're saying adds up.
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