topic Discover is Ruining me in General Credit Topics

True victim of Identity Theft!! Help!!

Anonymous — Sun, 16 Feb 2020 14:10:42 GMT

Long story..... well, in 2013- 2017 I was traveling for work around the country. During that time, I took my nephew in to help him get his life in order and I felt that he needed as much family as possible. Towards the end of 2018 I noticed that things started missing around the home. Now, I allowed him to work for me and earn a nice income, so I know that he had money. Well, my children started to bring to my attention that their things were missing. Being the loving and naive aunt that I am, I refused to believe that my nephew that I was raising was stealing from me and definitely not my kids. Now things started to make sense and I moved him out and he moved in with my grandparents, his great grandparents. Now I start to see the mail coming in and all of the things that he was purchasing in my name. So now I'm in repair mode and only 1 nasty company will not work with me DISCOVER. So, so.e would say, report my nephew to the police. Well, ended up going to prison for stealing and passing from a drug overdose. So, what good would that do at this point. I found out that Discover sued me and I had no idea. Never saw 1 bill from them as I was away literally 2-3 weeks out of the month. My assistant nor my nanny at the time ever handed me 1 credit card bill. He did the whole thing on line. Now I'm stuck trying to figure out what to do with Discover. They want blood or my first born. PLEASE HELP.

Discover is Ruining me

Anonymous — Sun, 16 Feb 2020 15:04:12 GMT

After being a victim of identity theft by my nephew, Discover is really not will to work with me. They just reported the account as charged off and it literally dropped my score 122 points in 1 day. I am devastated as my husband and I are trying to build a new home. I had no clue that all of this was happening. I was able to get everything else fixed but Discover is fighting tooth and nail. I dont know what to do. They sent me statements in the mail to prove what? I said it's not mine. I didnt charge the card. Not sure what to do now.

Re: Discover is Ruining me

Shooting-For-800 — Sun, 16 Feb 2020 15:14:30 GMT

Did you fill out police report?

If so, you should be fine if you prosecute.

If not, the debt is yours.

Did you not make the minimum payments?

Re: True victim of Identity Theft!! Help!!

Shooting-For-800 — Sun, 16 Feb 2020 15:16:26 GMT

Policer3port required as stated in your other thread.

Re: Discover is Ruining me

gingerflower — Sun, 16 Feb 2020 16:28:03 GMT

First thing you should do ASAP is file a POLICE report and send report to Discover. You should not be responsible for debt bcuz you did not open the account. This is identity theft and fraud!

Re: True victim of Identity Theft!! Help!!

gingerflower — Sun, 16 Feb 2020 16:48:16 GMT

Police reported needed per your other thread! Without a police report Discover will continue to contact you!! Have you filed the police report!!

Re: Discover is Ruining me

Anonymous — Sun, 16 Feb 2020 17:07:53 GMT

He passed away in prison of a drug overdose. There's no one to prosecute.

Re: Discover is Ruining me

tcbofade — Sun, 16 Feb 2020 17:16:04 GMT

@Anonymous wrote:
He passed away in prison of a drug overdose. There's no one to prosecute.

...and therefore, there is no one to offend by filing a police report.

Your options are to dispute this debt that isn't yours, or pay it.

In order to dispute it, the lender may require a police report.

It is absolutely your call, and I'm terribly sorry that this happened to you... I would file the police report.

Good luck!

Re: True victim of Identity Theft!! Help!!

Anonymous — Sun, 16 Feb 2020 17:51:15 GMT

@Anonymous wrote:
.... PLEASE HELP.

I suggest taking ownership of your part in this problem.

You invited a troubled youth into your home. You allowed access to your financial information. You turned a blind eye when warning signs were present.

It is unfortunate your nephew victimized you. It is not unfortunate Discover wants their money. They are victims here too. Apparently the picture has yet to be painted clearly enough for them that you are not the one trying to victimize them. Based on what you've written, that seems a reasonable position.

The sooner you own this problem, the sooner you can commence getting it resolved. I wish you well.

Re: Discover is Ruining me

gingerflower — Sun, 16 Feb 2020 18:33:24 GMT

I agree with tcbofade if you want this problem to be resolved file a police report and send police report to Discover!!

Re: True victim of Identity Theft!! Help!!

Anonymous — Sun, 16 Feb 2020 19:17:07 GMT

Sorry this has happened to you, but I've read both your posts and as others have stated, you need to file a police report if you want to dispute this matter with Discover. Otherwise, you'll have to pay. Not sure what other advice anyone here could give than what's already been said. I wish you the best of luck. Keep us posted.

Re: True victim of Identity Theft!! Help!!

Trudy — Sun, 16 Feb 2020 21:13:49 GMT

I'm sorry you had this experience and for the pain that it has caused you. I can't provide any other options to resolve this situation other than to file a report as others have stated. By doing so you can't hurt him but can help yourself.

I'm not sure how other creditors were able to resolve the situation for you as filing a report is usually the only way to resolve identity theft. Whatever the other creditors did or said may have created a belief that there really is another way which is understandable ...if they really did absolve you of the responsibility. Are you sure that's what they did and whatever action taken did not negatively impacted your credit? They may have been pleasant through the situation but are you sure these are not or will not show up as charge offs? Are those accounts still open? Were the negative marks with the others removed from your credit report?

People lie, therefore creditors can't simply rely on the word of someone as proof

Wish you the best.

Re: True victim of Identity Theft!! Help!!

Anonymous — Mon, 17 Feb 2020 08:42:15 GMT

@James Because I allowed my nephew to stay with me while helping him to get his life together, it's my fault. Because I started him going to church and turning his life around make me somehow complicit? Ok. Thank you for your advice. I will file the police report.

Re: True victim of Identity Theft!! Help!!

Anonymous — Mon, 17 Feb 2020 08:36:54 GMT

Thank you all for the advise. The reason that I did not file the police report was because I was told to file an identity theft report with the FTC. I was told that a police report wouldnt do anything. I will file in the morning. Thank you again.