DEAR SUN SPOTS: We found a watch Saturday, Sept. 18, around 5 p.m. across from Holy Family Church in Lewiston. If you think it could be yours, please contact me at 440-4794. — No name, no town

DEAR SUN SPOTS: While headed toward Jay from Livermore Falls on Route 4 on Saturday, Sept. 18, at about 5:30 p.m., a cane appeared to fall from the roof of the car ahead. On the return trip, the cane was still in the road. My husband stopped to retrieve it. It is a metal adjustable cane. If the owner can identify it, we would love to get it back to them. Please contact us at 615-3203. Thanks for helping us find the owner of a lost item. —  Diane, East Livermore

ANSWER: Hopefully, the people who have lost these items are Sun Spots readers. Let us know what happens!

DEAR SUN SPOTS: I am looking for an Edward Little High School woman’s class ring from the Class of 1965. Please contact me at 685-9957 if you have one you do not want any longer. — Carol, no town

ANSWER: I’m curious about this request so let us know how it turns out!

DEAR SUN SPOTS: We can always count on you and I have a good one for you. I am a senior citizen and am having a problem with a credit card company telling me that I owe them over $2,000 for something I didn’t purchase. There has been an investigation but nothing has been resolved. I do not owe this money. I need help. — No name, no town

ANSWER: If you see a line item on your credit card statement for something you don’t recognize, call the customer service number on the back of your credit card to report the problem. Most payment card fraud investigations are actually handled by the cardholder’s issuing bank, rather than a card network like Visa or Mastercard. Generally speaking, after a customer makes a complaint, the bank will gather any relevant information and examine the transaction details closely.

Another thing you can do is to look closely at the information in the description of the purchase. There may be a toll-free number for the company or store where the purchase was made. If not, look up the number online. For example, if the item was purchased at Amazon, there would be a number to call to get more information.

You may be dealing with fraud, or you may have inadvertently purchased something online without realizing it. Keep working with your credit card company and don’t give up. The Fair Credit Billing Act (FCBA) states that credit card users are only liable for up to $50 in fraudulent charges.

The major credit card networks — Visa, Mastercard, Discover and American Express — take it a step further by offering “zero liability” policies. This means that in cases of fraud, you won’t have to pay a dime.

If you need more help with this issue, SeniorPlus (seniorsplus.org, 795-4010) may have resources for you to tap into. Other places you can contact include Pine Tree Legal (784-1558, ptla.org) and Maine 211 (2-1-1, www.211maine.org).

This column is for you, our readers. It is for your questions and comments. There are only two rules: You must write to the column and sign your name. We won’t use it if you ask us not to. Please include your phone number. Letters will not be returned or answered by mail, and telephone calls will not be accepted. Your letters will appear as quickly as space allows. Address them to Sun Spots, P.O. Box 4400, Lewiston, ME 04243-4400. Inquiries can also be emailed to [email protected].


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