topic Re: Credit Card Fraud in General Credit Topics

Credit Card Fraud

Anonymous — Wed, 28 Dec 2011 20:33:28 GMT

Hi,

i think I am a victim of credit card identity theft or fraud. I received a credit card from capital one that is only 1 letter different from my actual name. What can I do to resolve this issue? Do I call capital one? Please advise.

Thanks

Re: Credit Card Fraud

RockinRay — Wed, 28 Dec 2011 20:35:45 GMT

Call them! NOW! Do not wait!

Ray

Re: Credit Card Fraud

pizzadude — Wed, 28 Dec 2011 21:44:18 GMT

-----> Call them! NOW! Do not wait!

+1. You need to call them immediately. If someone else is applying for cards in your name, you might also consider putting a freeze on your CRs, or a fraud alert.

Re: Credit Card Fraud

RobertEG — Wed, 28 Dec 2011 22:22:08 GMT

When you call them, I would ask them informally to provide you with a copy of the application papers for the account so that you can assist them in determiining that you did not authorize this account.

If they balk at such a request, remind them that it is information that you can compel them to provide under the provisions of FCRA 609(e) by simply first filing a police report and then sending a copy to them, so it would shorten the process if they were simply to send such papers to you now.

Re: Credit Card Fraud

llecs — Wed, 28 Dec 2011 22:59:48 GMT

Ditto to the police report if you never applied for CapOne. There might be other CCs/credit accounts out there.