HELP! My brother made a huge mistake!

[Anonymous]

My yonger brother, who just turned 19 made a huge mistake. He was approved for Chase Freedom card, and upon activation was requested to submit his DL. The card is his. I can't describe what I am feeling about his stupidity, and Im sure I would feel the same. He was thinking that they would only accept DL, and since he didn't have one, the id was forged and submitted to Chase. Long story short: they cancelled his card before he even had a chance to use it once. From my understanding, he will be blacklisted by Chase for the rest of his life, and that's an expensive lesson to learn. What's going to happen with his CR - will they put Fraud Alert in his report? We live in California, what are the legal concequences? Obviously he is regretting his action, but I guess its not going to help much. Any feedback will be appreciated very much

[ojefferyo]

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@Anonymous wrote:

My yonger brother, who just turned 19 made a huge mistake. He was approved for Chase Freedom card, and upon activation was requested to submit his DL. The card is his. I can't describe what I am feeling about his stupidity, and Im sure I would feel the same. He was thinking that they would only accept DL, and since he didn't have one, the id was forged and submitted to Chase. Long story short: they cancelled his card before he even had a chance to use it once. From my understanding, he will be blacklisted by Chase for the rest of his life, and that's an expensive lesson to learn. What's going to happen with his CR - will they put Fraud Alert in his report? We live in California, what are the legal concequences? Obviously he is regretting his action, but I guess its not going to help much. Any feedback will be appreciated very much

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They aren't the ones who put alerts on reports they just report the payment history and such about the account. Not sure what note they will attach to the report though. Did they state the reason why they closed it or you know for a fact it was because of the fake documents. 

[Anonymous]

He said because of the fake DL. Wasnt smart enough just to send state id, oh well...you live and learn

[Anonymous]

No disrespect intended, but is your little brother ready to handle the responsiblity of a credit card?  I'm sorry but using a forged ID at 19 for anything other than trying to buy beer doesn't exactly classify as a youthful indescretion.  I trust you got little brother in a head lock and had a heart to heart with him....

[Anonymous]

Now you've got me curious....why doesn't a 19yo have a drivers license?

[Anonymous]

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@Anonymous wrote:

My yonger brother, who just turned 19 made a huge mistake. He was approved for Chase Freedom card, and upon activation was requested to submit his DL. The card is his. I can't describe what I am feeling about his stupidity, and Im sure I would feel the same. He was thinking that they would only accept DL, and since he didn't have one, the id was forged and submitted to Chase. Long story short: they cancelled his card before he even had a chance to use it once. From my understanding, he will be blacklisted by Chase for the rest of his life, and that's an expensive lesson to learn. What's going to happen with his CR - will they put Fraud Alert in his report? We live in California, what are the legal concequences? Obviously he is regretting his action, but I guess its not going to help much. Any feedback will be appreciated very much

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He can forget ever having an account with Chase.  They won't put a fraud alert on his report and will not persue a legal action. That was not very smart.

[kdm31091]

I would agree, forget about Chase at this point. They have a long memory from what I hear, and this was not a very smart move (as you OP acknowledged) so...yeah, I'd say he needs to just look into other cards

[Anonymous]

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@Anonymous wrote:

My yonger brother, who just turned 19 made a huge mistake. He was approved for Chase Freedom card, and upon activation was requested to submit his DL. The card is his. I can't describe what I am feeling about his stupidity, and Im sure I would feel the same. He was thinking that they would only accept DL, and since he didn't have one, the id was forged and submitted to Chase. Long story short: they cancelled his card before he even had a chance to use it once. From my understanding, he will be blacklisted by Chase for the rest of his life, and that's an expensive lesson to learn. What's going to happen with his CR - will they put Fraud Alert in his report? We live in California, what are the legal concequences? Obviously he is regretting his action, but I guess its not going to help much. Any feedback will be appreciated very much

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Your brother could either be charged with a Misdemeanor OR Felony depending on how the bank fraud department wants to move it up the court.

In the State of California your brother --- "If charged with a misdemeanor, a defendant can face a year in jail and costly court fines. If charged as a felony, the potential sentence is three years in prison."

Better seek a lawyer pronto.

Reference: http://www.losangelescriminallawyer.pro/california-penal-code-section-470b-pc-possessing-a-fake-driver-s.html

[kdm31091]

Actually, that's a good point. This could very well have legal/criminal repurcussions, well beyond just not getting the credit card

[Anonymous]

Since the bank isn't out anything it's extremely unlikely that they are going to go to the trouble of filing a complaint over this.

Personally I would wait on the lawyer. In the remote event that you get contacted by a law enforcement agency, ask for a public defender.

I doubt your brother wants to spend a few hundred on an attorney at this point.