Published: Sep 10, 2013 3:52 PM EDT
Updated: Sep 10, 2013 6:43 PM EDT

LEE COUNTY, Fla.- A local woman has paid for a lavish wedding...but it wasn't her own. Instead, the wedding belonged to someone who used her credit card numbers to charge more than $37,000 in Miami.

Diane Sovern has filed a crime report with the Lee County Sheriff's Office. She claims someone used her card numbers to charge airlines tickets, tuxedos, and a luxury yacht cruise, for the wedding last April. PNC bank has since excused Sovern of the charges, because she spotted the fraudulent activity and alerted her bank.

Sovern does not want to do an interview about the incident, because the owners of the yacht in Miami are suing her, for the cost of the cruise (more than $14,000).

But Stacey Payne of the Lee County Sheriff's Office said, "Oh my goodness! That amount of scam is unusual. We see those kinds of charges (nearly $40,000) overseas, not two hours away! I think this could be a fraud ring, these people knew what they were doing and did not settle for just a little cash on the stolen card numbers."

Sovern believes she made the critical miscue with her card, when she had some carpet cleaning at ther Estero home last March. A person returned to her house the day after the cleaning, and asked for $3 and 70 cents in taxes. The person used her card to get those funds. Sovern believes that is when her numbers were compromised. She spotted the fraudulent activity on her account, about one month later.

"That could be a red flag," said Payne. "When someone comes back and says, we have to run your card agaion, that is a bit suspicious."