About wrong Credit Bill

It is always advised that whenever there is an unauthorized attempt to make a transaction, you immediately contact the bank and police and get the card blocked to prevent further damage. 

It’s important to monitor all your credit card accounts regularly, which will keep you updated because this type of fraud can happen even when your card is safely present in your wallet.

Always remember to keep a track on each and every transaction relating to your account and if any unauthorized transaction is seen or any transaction not done by you is done in your account report it to the bank and police immediately. 

1. Practice vigilance
First, you should try to protect yourself and safeguard your details from being scammed or at least set yourself up with the proper tools to detect a scam early on. Vigilance is key. Mark Hamrick said. “One painless strategy is to download your bank’s mobile apps that help us keep track of all credit and debit card transactions,” Hamrick said, adding that you should avoid third-party apps. Set up mobile alerts for your transactions. 

2. Inform the card issuer
Immediately inform the card issuer, the moment you come to know that a transaction has been made on your credit card. It is generally advisable that one should inform the bank maximum within 3 days. It is also essential that the victim should lodge a formal complaint with the bank and ask them to block the card so that further unauthorized transactions could be prevented. But, before filing a written complaint, one should have the following documents with him/her-

Bank statement of the concerned bank. 
Keep your ID and address proof as shown in the bank records.
Make FIR under Section 154 Code of Criminal Procedure, 1973 and give a copy of FIR to the bank also. 
The banks and police both play an active role and immediately take action to track the unauthorized transaction and also, in America under the guidelines of federal trade commission you are not liable for the transactions you didn’t authorize. 

3. Change your passwords and PINs
To prevent fraudsters from doing any further damage, you can request the bank to allow you to change your password or PIN.

4. Closely monitor account activity
Next, you can keep an eye on the activities of the account and can check its status regularly. But if you notice some signs of fraud, you must notify the bank immediately.

5. Contact the credit bureaus and FTC
Creditcards.com recommends that if you are a victim of identity theft and someone is using your personal details as his own to commit fraud then you need to alert the credit bureaus and place a complaint as ‘Fraud Alert’, on your credit reports before informing the bank. “Fraud alerts will be very beneficial to you as it will prevent the fraud doer to open a new bank account in your name.