Asked 6/17/2016 – Dallas, TX

I have a MasterCard credit card with a credit union here in the area with a $10,000 limit, last summer all my accounts at the credit union were compromised checking and credit card when I informed them they got real ugly the total loss was $4,000 aprox they informed me that they wouldn’t give me a new checking account or a new debit card for 6 months to insure no more fraud was happening and they also demanded I freeze my credit reports I refused as that has nothing to do with my routing/checking account number I do have a fraud alert on file with a number to call before issuing credit they also said that if my credit card was compromised again they would close my LOC, I stopped all normal banking business with them immediately and made my other bank my primary bank. Last September I made my regular monthly payment and it cleared 3 days after that I believe the identity thieves were able to log in to my account and make a online payment for $10,306 to pay off my card 4 days latter they went on a shopping spree with my card and racked up $10,000+ in charges now my balance is $21,000 and they have filed a criminal complaint stating that I defrauded them.

Answer

If criminal charges have already been filed, you know the answer of whether charges CAN be filed; that event has already occurred. I assume your question is whether the State can prove the allegations against you beyond a reasonable doubt. No one on this site can definitively answer yes or no to that question, but there was enough evidence for a detective to proceed with the filing of the charges. Your failure to initially cooperate with the credit union on the fraud investigation played no small part. Get a local attorney. Good luck.