Lona.loba Posted July 20, 2016 Posted July 20, 2016 Hello all I had to recently send some money for my BF for his surgery and I was out of town and for some reason my card didn't work. So I used my sisters card (which she gave me access to a while ago) the amount I sent wasn't very small or very big. Yesterday when i was phoning my family they told me that my brother faced fraud on his card (I knew they were talking about the money I sent, they don't know it's me) and she told her bank to cancel the card get him a new card and they said they will return him the lost money and investigate in this. I couldn't tell them it's me who used it because it was too late and plus they don't know I have a boyfriend. What should I do to not get my boyfriend in legal trouble as he was the receiver ? (He's innocent he doesn't know it's my sisters card I was using he thought it was mine) This is important he has been having a very rough life and I don't want to bring more trouble to him.
basil67 Posted July 20, 2016 Posted July 20, 2016 Tell your family that it was you who took the money. There is really no other option. 8
Author Lona.loba Posted July 20, 2016 Author Posted July 20, 2016 Tell your family that it was you who took the money. There is really no other option. What legal actions would the bank do if I still didn't confess ?
basil67 Posted July 20, 2016 Posted July 20, 2016 (edited) What legal actions would the bank do if I still didn't confess ? They will refer it to the fraud team. The fraud team will trace it and take legal action. Edited July 20, 2016 by basil67 2
Author Lona.loba Posted July 20, 2016 Author Posted July 20, 2016 They will refer it to the fraud team. The fraud team will trace it and take legal action. Towards me or my boyfriend (he knows nothing about this) ?
ExpatInItaly Posted July 20, 2016 Posted July 20, 2016 You have to tell your family it was you. Period. OP...Are you sure you had access to this card? It seems very strange to me that you wouldn't just let them know it you and not some random fraudster if your sister had permitted you to use it. You have made this situation worse by hiding this information. How old are you and your boyfriend? I also don't understand how your brother faced fraud on his card if you used your sister's card? Essentially, the bank will investigate where the fraudulent charges were coming from. It doesn't take much for them to pinpoint where the card was used and who the recipient of the funds is. I have been a victim of card fraud - thankfully not a huge amount - and the bank quickly told me what the fraudulent purchases were and how much the amount was. 5
ExpatInItaly Posted July 20, 2016 Posted July 20, 2016 Towards me or my boyfriend (he knows nothing about this) ? Very likely both of you. He was involved, even unknowingly, by being the recipient of an unauthorized, fraudulent transfer.
basil67 Posted July 20, 2016 Posted July 20, 2016 (edited) Towards me or my boyfriend (he knows nothing about this) ? Unless you have some type of personal login to your sister's card, I think it's unlikely they will trace it to you. However as the recipient, your boyfriend will very quickly be traced as being the one involved. It's very simple for a bank to see where money was transferred do. Your boyfriend will be charged with fraud. I worked for a bank back in the 1980's and even then it was dead simple to trace where money was sent. These days, it's all computerised and would be found in a nanosecond. Your choice is to own up to it - or leave your boyfriend to face legal charges. Of course, he could tell the police that you sent him the money and get off...but then your family will find out that you did it anyway. Either way, they are going to find out. Edited July 20, 2016 by basil67 2
salparadise Posted July 20, 2016 Posted July 20, 2016 It depends on the path through the accounts. Whose account did the money go into directly from the card? If it went to your account, you're going to be the first one named. If it was his account it will be him. Either way, they will see where it ended up and he will be involved. If he received it from you (as opposed to directly from the card) he may not be held accountable legally, but they will probably try to recover the funds from him. If it went directly from the card to his account then he will appear to be directly responsible, and he will tell them that he received it from you and had no knowledge of the source. The two of you will appear to be in cahoots. Your only hope of getting out of this is to confess to your sister and hope that she will call off the dogs. If she remains unaware and the bank has to reimburse her, they will be looking to arrest someone... you and him, or just you, depending on whether he had any knowledge of the fraud. Did you really think you could pull this off and they'd be left scratching their heads and not have a clue as to who done it? 2
Author Lona.loba Posted July 20, 2016 Author Posted July 20, 2016 It depends on the path through the accounts. Whose account did the money go into directly from the card? If it went to your account, you're going to be the first one named. If it was his account it will be him. Either way, they will see where it ended up and he will be involved. If he received it from you (as opposed to directly from the card) he may not be held accountable legally, but they will probably try to recover the funds from him. If it went directly from the card to his account then he will appear to be directly responsible, and he will tell them that he received it from you and had no knowledge of the source. The two of you will appear to be in cahoots. Your only hope of getting out of this is to confess to your sister and hope that she will call off the dogs. If she remains unaware and the bank has to reimburse her, they will be looking to arrest someone... you and him, or just you, depending on whether he had any knowledge of the fraud. Did you really think you could pull this off and they'd be left scratching their heads and not have a clue as to who done it? It was directly through the card it was through a money transfer agency, anyways I just told them the truth and they will tell the bank to cancel the fraud issue. Is it too late to cancel it ?
salparadise Posted July 20, 2016 Posted July 20, 2016 (edited) It was directly through the card it was through a money transfer agency, anyways I just told them the truth and they will tell the bank to cancel the fraud issue. Is it too late to cancel it ? No, it's not too late as long as your sister agrees. The bank would love to be out of this and not have to responsible for the money. Of course the sister will be out the money, so she may say return the money first and I'll cancel the fraud claim. I hope you and she are on good terms. I bet she won't be happy if she learns that you took it to pay some unknown man's medical bills. And I bet the boyfriend won't be happy if he knows how close you put him to being the target of a fraud investigation. You've got some apologizing to do I think. Start baking cookies. Edited July 20, 2016 by salparadise 4
kendahke Posted July 20, 2016 Posted July 20, 2016 Hello all I had to recently send some money for my BF for his surgery and I was out of town and for some reason my card didn't work. So I used my sisters card (which she gave me access to a while ago) the amount I sent wasn't very small or very big. Yesterday when i was phoning my family they told me that my brother faced fraud on his card (I knew they were talking about the money I sent, they don't know it's me) and she told her bank to cancel the card get him a new card and they said they will return him the lost money and investigate in this. I couldn't tell them it's me who used it because it was too late and plus they don't know I have a boyfriend. What should I do to not get my boyfriend in legal trouble as he was the receiver ? (He's innocent he doesn't know it's my sisters card I was using he thought it was mine) This is important he has been having a very rough life and I don't want to bring more trouble to him. You need to own up to your family for what you did. I mean, how do you jack up your sister's credit card and then look in her face knowing what you did? The bank is going to follow the electronic trail back to your boyfriend if he's the recipient because they're going to get their money back. You'd do really good to pull up your big girl pants and face the issue you caused.
Redhead14 Posted July 20, 2016 Posted July 20, 2016 Hello all I had to recently send some money for my BF for his surgery and I was out of town and for some reason my card didn't work. So I used my sisters card (which she gave me access to a while ago) the amount I sent wasn't very small or very big. Yesterday when i was phoning my family they told me that my brother faced fraud on his card (I knew they were talking about the money I sent, they don't know it's me) and she told her bank to cancel the card get him a new card and they said they will return him the lost money and investigate in this. I couldn't tell them it's me who used it because it was too late and plus they don't know I have a boyfriend. What should I do to not get my boyfriend in legal trouble as he was the receiver ? (He's innocent he doesn't know it's my sisters card I was using he thought it was mine) This is important he has been having a very rough life and I don't want to bring more trouble to him. You HAVE to own this!!!! I don't understand your reasoning whatsoever. You had permission to use the card, you say. And, the truth will come out one way or another. Own it now, confess because your family will be much more upset if they have to go through that process only to find you've been dishonest by withholding the truth. It's never too late to tell the truth and if you don't, it may be too late to keep your boyfriend from being dragged into something that he doesn't have responsibility for!!!!
biker23 Posted July 20, 2016 Posted July 20, 2016 wow...should have quickly talked to your sister before just using her card. Own it.
ChickiePops Posted July 20, 2016 Posted July 20, 2016 I know you were trying to do something nice for your boyfriend but you essentially stole money from your sister. When were you planning to pay her back? Did you think she wouldn't ask any questions about why you did it? Bad plan. Next time ask. PS to all the posters telling her to confess..she says she already did. 3
Lady2163 Posted July 20, 2016 Posted July 20, 2016 Why would you do this? Did you "forget" to access the money from your card when you had the chance? Who does this? 2
Els Posted July 20, 2016 Posted July 20, 2016 I still don't understand how you could use your sister's card without telling her (I know you confessed, but I mean at the time you used it) and then be SURPRISED that she found out??? I mean... what did you think would happen??? 4
AMJ Posted July 20, 2016 Posted July 20, 2016 This is crazy on a few levels. Sure there's not more to the story that you're not admitting here? It's just normal to take that much money from a family member without asking them? 4
Redhead14 Posted July 20, 2016 Posted July 20, 2016 (edited) This is crazy on a few levels. Sure there's not more to the story that you're not admitting here? It's just normal to take that much money from a family member without asking them? It's suspect to me as well. Boyfriend having surgery and putting it on a credit card? If he needed surgery and didn't have insurance, he can work out financial arrangements with the hospital. A hospital isn't going to say, "hey, pay up before we give you the surgery". Something else is wrong here. I question the reason the card was used . . . My concern is that she wasn't trying to protect her boyfriend from legal trouble for the card use, it's what the money/payment was actually used for . . . was this a cash transfer to him or a direct payment to a hospital or doctor? If the end result of using the card was to pay for drugs, let's say, he's exposed for that, not the card fraud. She used the card, she's the one who needs to worry about card fraud charges. Edited July 20, 2016 by Redhead14 1
Shining One Posted July 20, 2016 Posted July 20, 2016 When my younger brother just started out, I gave him a card to use for emergencies. Each time he used it, he would text me and let me know. It's incredibly rude to spend someone else's money and not tell them about it. 2
ExpatInItaly Posted July 21, 2016 Posted July 21, 2016 It's suspect to me as well. Boyfriend having surgery and putting it on a credit card? If he needed surgery and didn't have insurance, he can work out financial arrangements with the hospital. A hospital isn't going to say, "hey, pay up before we give you the surgery". Something else is wrong here. I question the reason the card was used . . . My concern is that she wasn't trying to protect her boyfriend from legal trouble for the card use, it's what the money/payment was actually used for . . . was this a cash transfer to him or a direct payment to a hospital or doctor? If the end result of using the card was to pay for drugs, let's say, he's exposed for that, not the card fraud. She used the card, she's the one who needs to worry about card fraud charges. This is also a very valid point. The situation doesn't make a lot of sense. And OP - I work as an English teacher and one of my corporate clients is one of the biggest money transfer companies in the world. I mention this because I work closely with their officers in their Compliance department, which is the team responsible for ensuring money transfers are compliant with the law, ie they keep a very close eye on cases of suspected fraud. I can assure you this has already been flagged in their system; depending on the jurisdiction, these matters can indeed be turned over to authorities. You still violated a law by making an unauthorized transaction. How much did you give him? It is good you confessed, but you also need to notify your boyfriend. He is at risk of having problems if the transfer service decides to track down where the money went.
Redhead14 Posted July 21, 2016 Posted July 21, 2016 This is also a very valid point. The situation doesn't make a lot of sense. And OP - I work as an English teacher and one of my corporate clients is one of the biggest money transfer companies in the world. I mention this because I work closely with their officers in their Compliance department, which is the team responsible for ensuring money transfers are compliant with the law, ie they keep a very close eye on cases of suspected fraud. I can assure you this has already been flagged in their system; depending on the jurisdiction, these matters can indeed be turned over to authorities. You still violated a law by making an unauthorized transaction. How much did you give him? It is good you confessed, but you also need to notify your boyfriend. He is at risk of having problems if the transfer service decides to track down where the money went. So I used my sisters card (which she gave me access to a while ago) -- She had permission to use the card, so what's the big deal with telling them she used it unless it wasn't used for what she says it was used for (which doesn't make sense either). I just went back through the thread and the card was indeed used to send cash . . . that's the reason the boyfriend would get in trouble and her actually. What was that cash used for? The answer to that will tell why the boyfriend would actually be in trouble, not card fraud. Like I said that's on her, the fact that she tried to or hoped it would be covered up, doesn't make sense since she did have permission to use that card.
bubbaganoosh Posted July 21, 2016 Posted July 21, 2016 Here's another thing. If you used a ATM machine, they have cameras on them to see the card holder using the machine so your face is there when they get to it. Now either you step up to the plate and take responsibility for your actions or other people will get big time hurt in the deal, not to mention that it's family members too.
longjohn Posted July 21, 2016 Posted July 21, 2016 Hello all I had to recently send some money for my BF for his surgery and I was out of town and for some reason my card didn't work. So I used my sisters card (which she gave me access to a while ago) the amount I sent wasn't very small or very big. Yesterday when i was phoning my family they told me that my brother faced fraud on his card (I knew they were talking about the money I sent, they don't know it's me) and she told her bank to cancel the card get him a new card and they said they will return him the lost money and investigate in this. I couldn't tell them it's me who used it because it was too late and plus they don't know I have a boyfriend. What should I do to not get my boyfriend in legal trouble as he was the receiver ? (He's innocent he doesn't know it's my sisters card I was using he thought it was mine) This is important he has been having a very rough life and I don't want to bring more trouble to him. What you did was commit fraud at best, really theft. Did you send, withdraw, buy etc $100, $1000 or more? Depending on the amount and upon the jurisdiction this could drop it into different categories of theft/fraud. Bearing in mind these may carry different jail terms or get moved up into a higher court. Believe me when I tell you most police forces will use a program to weigh up what cases they can quickly solve and knock those out and fast to get results. The harder to solve ones they may never get to look at unless it's a murder or high profile. You said you had permission to use the card yet won't admit using the card but then you said your brother faced fraud on his card? Did you use your sister's card or your brothers or both? When the banks fraud team find your bf or you they'll inform the police who'll want to talk. If they find him and he's honest he'll point the finger back at you or if they squeeze hard enough he'll point the finger at you anyway. Expect to spend some time in a cell, you'll get booked, booking rooms are always cold for some weird reason then again cells aren't the Hilton. Case closed you go to court and everyone one reads in the local paper how to you stole from your family to pay for your boyfriends whatever it is he really needed the money for.. games, car, drugs, drink etc. Your best course of action and your only course of action is to be honest however considering you stole from your family and are trying to wiggle out of it I find it unlikely you'll do the right thing. You might not even know what the right thing is vs saving your own neck or thinking your saving your own neck. Anyway do nothing and in a few weeks don't be shocked to hear a knock on the door and find the police asking you to come the station for a "talk" don't forget to smile when you stand against the wall for your mugshot.
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