Some criminals made fraudulent charges to my sweetie's VISA card, with zero prior contact.
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My sweetie was the card holder. I'm just an opinionated web guy. I'm not a lawyer. I can't offer advice. Some of you are asking me for help, but y'gotta understand that I don't know anything more than you do! I posted this page because, as of Feb 2004, there was virtually nothing to be found on the web about overslade.com, and given that that string was showing up next to a fraudulent Visa charge, that seemed fishy. Phone calls and emails started coming in from people that were also getting overslade and getonline charges, so I set up a web form for people to use instead. Please don't call... it won't work very well anway because we're awake when you're asleep. The web logs show that there are a great many people trying to figure out what's up with overslade and getonline... you have my sympathies!
Alas, we don't know much about overslade, getonline, or united locations. We took one look at overslade's web site (which was conspicuous by its lack of information - and has since vanished) realized it was just a scam, cursed their lineage and wished horrible pounding headaches and incessant car troubles on those responsible, and my sweetie called her bank to report the fraud. The charges were removed, and that was the end of it for us. Easy. Simple. Didn't have to think about it any more.
Note that the bank was contacted to report fraud, not to dispute the charges. Banks appear to treat those situations very differently. The first is an allegation of criminal activity, which appears to apply to these overslade and getonline charges. The second is more like a hazy he-said-they-said billing error dispute, and we had no interest in going there.
I'm not a lawyer. I can't offer advice. Some of you are asking me for help, but y'gotta understand that I don't know anything more than you do! If you have just discovered fraudulent charges and are wondering what to do, my humble unexpert suggestion is to contact the bank immediately and report fraudulent, unauthorized use of the card right away. If your bank is anything like ours, your card will be cancelled and the charges removed and that will effectively be the end of it.
I would think that few banks would question notification of fraudulent activity taking place. If yours does, and won't jump on cancelling the card and removing the charges, you might consider filing reports of fraud with other organizations such as your local police, state Attorney General's office, FTC, or postal inspector, and then confronting your bank with documentation of a fraud report. Check the terms of your cardholder's agreement. If a bank deals with fraudulent charges by trying to make their customers eat them, I don't know what to say... First I guess I'd change banks, then I'd keep increasing the volume using law enforcement, consumer advocacy groups, local media outlets, whatever it took.
It appears to me that the getonline and overslade.com charges are criminal in nature, and involve enough victims and amounts to account for well over a million dollars. Hundreds of people are winding up here because they did internet searches for "overslade", "getonline", "overslade.com", "overslade fraud" or some similar combination. Number of searches times charges times a guesstimate of how many people are charged but don't wind up here equals a lot of money.
Personally, I wouldn't bother attempting to contact the fraudsters, but that's just me. It seems rather pointless to do so if someone has stolen a credit card number and used it - that card has to be cancelled anyway.
People have told me that they tried to contact them and failed, that they received promises of refunds that never materialized, or that they got the runaround and were stalled. Even if the charges are refunded by a fraudster, there is no guarantee that they will not simply resubmit them later on, or sell the credit card info to another fraudster.
If the bank removes the charge and cancels the card, and then the thief, seeing that they've been detected, attempts to cover their tracks by returning the money, I'm not going to let them do that. If the thief attempted to refund the money as a check, for example, I'd pass that check on as evidence before I'd deposit or cash it because the last thing I would want would be to give a thief anything that could support a denial that they stole the money in the first place. Besides, if the bank had already removed the charge, that would be the only thing that I could do, since I'd otherwise be getting the money "back" twice and would have to contact the bank again to get them to remove their removal of the charge to get things sorted out.
Others have expressed an interest in receiving information from victims of these fraudsters. If you would like to share information, you can do so on this web form and I will pass your contact info and anything else you'd like to add along. centralpayments.net centralpayments Central Payments cpay.net parkside computer services jp media