Customer fraud occurs when a customer improperly obtains cash or property from a company, or avoids a liability through deception. Although customer fraud may affect any company, it is an especially common problem for retail firms and companies that sell goods through Internet-based commerce. Examples of customer fraud include credit card fraud, check fraud, and refund fraud. Credit card fraud and check fraud involve the customer's use of stolen or fraudulent credit cards and checks. Refund fraud occurs when a customer tries to return stolen goods to collect a cash refund.