How to get information about bad guys who used credit card fraudulently.?

Question

Somebody used my wife's credit card at different on-line stores. We disputed the charges with the credit card company but we called each of the on-line companies and informed them about the fraud charges. They have admitted someone opened accounts with their names and addresses but used my wife's credit card number. So her name popped up as the co-owner of the account. The companies closed the accounts and blacklisted my wife's name. Get it? They blacklisted the victim. The police doesn't want to investigate because the amount was very low, under $100, the credit company will not bother either because it is more expensive for them to investigate than the amount in question. We don't know if this was identity fraud or credit card fraud because the information about the criminal is protected by law. How can we get the information about the bad guy legally? And how can we find out if it was only credit card fraud or should we expect more of identity crises. The credit report is clean for now. Who can get information for us about the name and address of the person who used the card?

Iron Clad · Accepted Answer

Credit Card Fraud 
Credit card fraud can happen to most anyone. While card theft is fraud, it can also occur when someone uses your card number without your knowledge. Follow these precautions to help prevent credit card fraud from happening to you.

Sign your cards as soon as you receive them
Never write your PIN on your credit card or have it anywhere near your card
Only carry cards you absolutely need
Keep in a secure place a record of your card account numbers, expiration dates and the address and phone number for each company
Keep a watchful eye on your card during transactions and have it returned quickly
Void any incorrect receipts and destroy carbons of transactions
Save receipts and compare them to billing statements
Open your bills promptly and reconcile them monthly
Report any questionable charges over the phone and in writing to the card company
Notify card companies in advance of a change in address
Shred credit card applications and anything with your credit card number on it
Never provide your credit card information on a website that is not a secure https: site
Never respond to emails, websites or phone inquiries that request you provide your credit card information
Don't lend your card to anyone
 
 
What to Do in Case of Fraud
If you need to dispute or suspect fraudulent activity on your BECU Visa, follow these guides. BECU can assist with transactions that occur within 60 days from the date of your Visa statement.

Transaction Dispute
Lost or Stolen Cards, Fraudulent Transaction or Fraudulent ATM Withdrawal
Convenience Check Fraud


Transaction Dispute
If a charge is from a merchant for whom you authorized a transaction but the amount posted is incorrect, please do the following:

1. Complete the Visa Cardholder Dispute Form and fax it to PSCU at 727-571-4598. As partner of BECU, PSCU processes Visa disputes and monitors Visa accounts for fraudulent activity.

Any questions regarding this dispute should be directed to PSCU at 888-918-7322.

Anonymous · Answer

Usually banks will not give you that info.  But I hope that you filed a ftc ID theft complaint www.ftc.gov  and put a fraud alert in your credit report.  Many times once you have been the victim, the information is out there and thieves will try to open new accounts using your info.

? · Answer

He's already told the issuing bank, (Lloyds TSB (in the UK?)) . Best to contact Lloyds and apologise for your prank, and ask how to pay the monies back. Bit late to worry about legal issues.

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How to get information about bad guys who used credit card fraudulently.?

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