topic Re: S.O.S ......FRAUD in the making ! --R AND R FURNITURE soft on EX reports for Macy's account hold in Credit Cards

S.O.S ......FRAUD in the making ! --R AND R FURNITURE soft on EX reports for Macy's account holders

Anonymous — Thu, 17 Sep 2009 02:43:12 GMT

I was looking through my EX softpulls and some company named :

R AND R FURNITURE

Address:
502 W 31ST ST
SAVANNAH GA 31415
No phone number available

pulled a soft on 09/02/09

I am currently opted out, and my EX is frozen............however, why would a small furniture store in a state I never lived in pull a soft on me? i m from new england !!!! that store does not exist in new england at all !

when i googleld about it i found out that there are 100s of people or maby more who noticed the same thing the strange thing is the date of the soft pull is all the same 9/2/2009 and they all have a macys card !!? ....there is somebody out there who got my adress phone # , SS # ..what should i do ?

edited to specify the precise issue (for stickying)

Message Edited by haulingthescoreup on 09-16-2009 06:44 PM

Message Edited by haulingthescoreup on 09-16-2009 07:43 PM

Re: S.O.S .............FRAUD in the making ! --R AND R FURNITURE soft on EX reports

Anonymous — Thu, 17 Sep 2009 01:45:24 GMT

I just pulled EX today and was wondering about R&R which soft-pulled on 9/2/09 also.

Yep - have Macy's. How did you make the connection between Macy's & R&R?

edited for new title

Message Edited by haulingthescoreup on 09-16-2009 06:45 PM

Re: S.O.S .............FRAUD in the making ! --R AND R FURNITURE soft on EX reports

wmarat — Thu, 17 Sep 2009 01:45:59 GMT

OK guys. I have it too. There is a big (309 posts) thread on CB. People called FBI, Savannah PD, FTC, DOJ and EXP. Most likely as per CB it connected to Macy's accounts (common credit card to all "victims") Experian says it is a coding mistake which is a b*llsh*t. Some people say that experian started to erase this soft pull, so print it out for future class action.

edited to add new title

Message Edited by haulingthescoreup on 09-16-2009 06:45 PM

Re: S.O.S .............FRAUD in the making ! --R AND R FURNITURE soft on EX reports

Anonymous — Thu, 17 Sep 2009 01:46:28 GMT

I will be looking for this next direct pull of EX. (Within a week.)

If I find it I won't be too happy with a $2 payout from a class action suit. I would prefer the $'s for an FCRA violation.

edited to add new title

Message Edited by haulingthescoreup on 09-16-2009 06:46 PM

S.O.S ......FRAUD in the making ! --R AND R FURNITURE soft on EX reports for Macy's account holders

wmarat — Thu, 17 Sep 2009 02:42:33 GMT

It is very unclear what happened and whose fault it is, Macy's or Experian or most likely both.

I would say, just watch your accounts frequently and freeze it if possible. BTW, my EXP is frozen and I opted out, so there are a plenty of violations to sue for.

edited to add new title

Message Edited by haulingthescoreup on 09-16-2009 07:42 PM

S.O.S ......FRAUD in the making ! --R AND R FURNITURE soft on EX reports for Macy's account holders

Anonymous — Thu, 17 Sep 2009 02:42:04 GMT

so i m not the only one in this board !!

what should one do about it ? is it a case of mass id theft or what ?

who should we contact about this matter Experian , macys or the FBI

i just dont understand how could they have access to my reoport knowing that its been frozen for months + opt out !

what worries me most is R & R Furniture has only 2 stores in the usa and both are located in texas according to thier website ...2 and softing people all over the usa to me this is no glitch

also i think this soft pull is meant to be a hard pull but turned into a soft as my report is frozen !

should we close or cancel macys accounts ?

edited title again to further specify those at risk

Message Edited by haulingthescoreup on 09-16-2009 07:42 PM

Re: S.O.S ...FRAUD in the making ! --R AND R FURNITURE soft on EX reports for Macy's account holders

haulingthescoreup — Thu, 17 Sep 2009 02:43:46 GMT

I wouldn't do anything until you get more info. Usually when something like this happens, there's some sort of sensible national response within about 72 hours. If you have a credit monitoring system that lets you pull daily reports, I'd pull them just to see what's up.

In the meantime, do as wmarat advised, and print out and/or save to your hard drive the current soft report. You will want to have documentation that this actually happened, especially as your report was frozen.

I don't want to minimize the risk, but as a personal example, our mortgage info was shopped, but nothing (so far) has come of it. What might have happened in your case is that someone figured how to access the info, but they don't have a buyer/ end-user. So yes, your data has been compromised, but that doesn't necessarily mean that someone is going ape with it now.

Good luck!

edited again to further specify those at risk

Message Edited by haulingthescoreup on 09-16-2009 07:43 PM

S.O.S ......FRAUD in the making ! --R AND R FURNITURE soft on EX reports for Macy's account holders

wmarat — Thu, 17 Sep 2009 02:58:19 GMT

Sorry to say but you are not special.

Sit tight and watch the show.

@Anonymous wrote:
so i m not the only one in this board !!
what should one do about it ? is it a case of mass id theft or what ?
who should we contact about this matter Experian , macys or the FBI
i just dont understand how could they have access to my reoport knowing that its been frozen for months + opt out !
what worries me most is R & R Furniture has only 2 stores in the usa and both are located in texas according to thier website ...2 and softing people all over the usa to me this is no glitch
also i think this soft pull is meant to be a hard pull but turned into a soft as my report is frozen !
should we close or cancel macys accounts ?

edited to further specify those at risk

Message Edited by haulingthescoreup on 09-16-2009 07:58 PM

S.O.S ......FRAUD in the making ! --R AND R FURNITURE soft on EX reports for Macy's account holders

Anonymous — Thu, 17 Sep 2009 02:59:02 GMT

Kudos to Hauling and wmarat for solid advice to all members!

edited to further specify those at risk (thanks, plasticman! )

Message Edited by haulingthescoreup on 09-16-2009 07:59 PM

Re: S.O.S ......FRAUD in the making ! --R AND R FURNITURE soft on EX reports for Macy's account hold

Anonymous — Thu, 17 Sep 2009 03:03:54 GMT

They also softed me. I didn't think to much about it though. I also have a Macy's account. I suppose I will just sit tight and keep an eye out with regards to my CR's.

Re: S.O.S ......FRAUD in the making ! --R AND R FURNITURE soft on EX reports for Macy's account hold

wmarat — Thu, 17 Sep 2009 03:04:15 GMT

OK, alleged owener of this furniture store has just made appearance on CB, claiming that they (owner and her

father) have nothing to do with this scam and asking to stop calling her phone. She says they are broken and there is no chance they can pay for so many pulls.

Re: S.O.S ......FRAUD in the making ! --R AND R FURNITURE soft on EX reports for Macy's account hold

Anonymous — Thu, 17 Sep 2009 03:14:28 GMT

@wmarat wrote:
OK, alleged owener of this furniture store has just made appearance on CB, claiming that they (owner and her
father) have nothing to do with this scam and asking to stop calling her phone. She says they are broken and there is no chance they can pay for so many pulls.

This is completely believable, particularly from a furniture store owner these days!

What is that old saying, something to the effect that, bad press is better than no press at all.

Message Edited by plasticman on 09-16-2009 08:14 PM

Re: S.O.S ......FRAUD in the making ! --R AND R FURNITURE soft on EX reports for Macy's account hold

wmarat — Thu, 17 Sep 2009 03:18:17 GMT

I do not know. I do not understand much about computers. There were rumors that Macy's was about to start new risk managment software in the beginning of 09/2009., pull made 09/02. Somehow, could they code themselves as R&R furniture? or EXP coded it wrongly (do not believe it). Anyhow FBI, SPD, EXP, Macy's Fraud Department, a few AG ofices, DOJ, FTC and media made aware of this soft pull. I think CB people missed White House, CIA and IRS otherwise any possible federal agency at least knows about it.

Re: S.O.S ......FRAUD in the making ! --R AND R FURNITURE soft on EX reports for Macy's account hold

Anonymous — Thu, 17 Sep 2009 03:18:18 GMT

@Anonymous wrote:
@wmarat wrote:
OK, alleged owener of this furniture store has just made appearance on CB, claiming that they (owner and her
father) have nothing to do with this scam and asking to stop calling her phone. She says they are broken and there is no chance they can pay for so many pulls.
This is completely believable, particularly from a furniture store owner these days!

What is that old saying, something to the effect that, bad press is better than no press at all.

When I worked for the major cruise line we loved bad press. Some of us were master closers and anything that made the phone ring was money on the table!

Re: S.O.S ......FRAUD in the making ! --R AND R FURNITURE soft on EX reports for Macy's account hold

Anonymous — Thu, 17 Sep 2009 05:33:18 GMT

I was just about to ask about this, I have a macys account and noticed the same soft. My Ex is frozen, and I am also opted out. What I would like to know, how can anyone I do not have a financial relationship with pull my files if they are frozen?

Re: S.O.S ......FRAUD in the making ! --R AND R FURNITURE soft on EX reports for Macy's account hold

wmarat — Thu, 17 Sep 2009 08:38:02 GMT

Let your lawer to direct this question to Experian.

@Anonymous wrote:
I was just about to ask about this, I have a macys account and noticed the same soft. My Ex is frozen, and I am also opted out. What I would like to know, how can anyone I do not have a financial relationship with pull my files if they are frozen?

Re: S.O.S ......FRAUD in the making ! --R AND R FURNITURE soft on EX reports for Macy's account hold

happy0510 — Thu, 17 Sep 2009 15:48:54 GMT

This is interesting. SInce I just got my Macy's yesterday I read all the fine print on the app. It talked about having the option to opt out of their shared info to their affiliates or outside financial institutions, etc. There was an opt out 1 which means you would only allow them to share info with their affiliates who are the in the citi family, bloomingdale's, nordstrom, etc. And then there is an opt out 2 which is everyone. Since I live in California I was automatically opted out of 1. There was only 1 other state that was listed. If you live in the remaining 48 states you would have to initiate the opting out.

Re: S.O.S ......FRAUD in the making ! --R AND R FURNITURE soft on EX reports for Macy's account hold

Anonymous — Thu, 17 Sep 2009 17:26:29 GMT

Nordstrom is not a Citi related entity.

Re: S.O.S ......FRAUD in the making ! --R AND R FURNITURE soft on EX reports for Macy's account hold

happy0510 — Thu, 17 Sep 2009 18:02:11 GMT

I wasn't sure of that, but it does list Nordstrom as an affiliate. It also lists Citi separately. Sorry for the confusion!

Re: S.O.S ......FRAUD in the making ! --R AND R FURNITURE soft on EX reports for Macy's account hold

Anonymous — Thu, 17 Sep 2009 18:19:43 GMT

The Macy's terms list Nordstrom as a related entity? Very interesting. Nordstrom is not a Macy's owned store and their CC is issued by Nordstrom Bank, which is fully owned by Nordstrom, Inc. So I fail to see a connection. Here is some interesting information on Nordstrom credit:

http://www.starkmanassociates.com/blogs/eric/giving-credit-to-nordstrom-bank/

Perhaps Citi handles the processing for Nordstrom. If so I don't see how that would make them related enough to allow information sharing.