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Husband opened several CC under my name!!!

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Anonymous
Not applicable

Husband opened several CC under my name!!!

My BF of almost 20 yrs, is in a very tough situation.  Her and her husband were $300.00 from paying off their debt.  She has been wanting to leave him, but hasnt been able to due a horrible situation.  She found out that her husband opened up a few CC charging up to 10k.  She confronted him, and he will not pay them.  What are the steps to get him charged for fraud for this.... She really wants to go after him?
 
She wants to press charges, she doesnt care what it takes...
 
Please help!!!! I really want to help her with this creep...
 
 
 
Smiley Mad
Message 1 of 17
16 REPLIES 16
credit911
Contributor

Re: Husband opened several CC under my name!!!

First thing she will need to do will be to contact law enforcement asap! I would also call the CC companies and let them know the situation. Put a fraud alert on her credit file to prevent this from happening again.

I would make sure he is prosecuted personally.
Message 2 of 17
haulingthescoreup
Moderator Emerita

Re: Husband opened several CC under my name!!!

She needs to file a police report before she can dispute the CC's as "not mine."

I think that she should first arrange for a safe place to go, with kids and pets, just in case. Have some cash as well. Safe place as in not your house, where he would probably come looking, but as in a shelter somewhere. This guy sounds scary, to have committed fraud like this, when they were so close to what should have been a common goal. What's going on in his life on the side that he felt to need to get all this credit?

Has she talked to a lawyer yet? Depending on her financial situation, she should either check out a family law specialist or find the local legal aid people (nearby law school, etc.)
* Credit is a wonderful servant, but a terrible master. * Who's the boss --you or your credit?
FICO's: EQ 781 - TU 793 - EX 779 (from PSECU) - Done credit hunting; having fun with credit gardening. - EQ 590 on 5/14/2007
Message 3 of 17
Anonymous
Not applicable

Re: Husband opened several CC under my name!!!

He knows that if he was to put her in more debt, she would not leave him!!! Her horrible situation is that her son who is about two yrs old, gets seizures about 16 times a day, doctors cant control them.  She cant work because she has to take care of him, and take him to therapy every day! Money is very scarce... She had mentioned that she did call the cops and that they told her that it would be very difficult to prove that he opened them.  All along they are struggling for money, because he got fired! She finds CC that he has been living the great life with her CC, which is under her name!
Message 4 of 17
Anonymous
Not applicable

Re: Husband opened several CC under my name!!!



mayra wrote:
He knows that if he was to put her in more debt, she would not leave him!!! Her horrible situation is that her son who is about two yrs old, gets seizures about 16 times a day, doctors cant control them.  She cant work because she has to take care of him, and take him to therapy every day! Money is very scarce... She had mentioned that she did call the cops and that they told her that it would be very difficult to prove that he opened them.  All along they are struggling for money, because he got fired! She finds CC that he has been living the great life with her CC, which is under her name!


Has she contacted the credit card companies? Even if they won't accept fraud report without police report, she can atleast report cards stolen so he can not use the ones he has anymore...
 
Unforutnately, given her situation, I don't see her proceding with charges against him. Does she have a relative she can live with to get out from under this overly controling and manipulating relationship?
Message 5 of 17
Anonymous
Not applicable

Re: Husband opened several CC under my name!!!

She does, but he knows where her relatives are...I tell her to come to me to AZ, she is in TX.  I will definetly tell her to call to make a report...I will see what I can do to help her, but I know if she comes to AZ the child could be reported as "kidnapped" UGGGGhhhh im so pist I can't do more for her!
 
Thank you everyone for your suggestions they are great!
Message 6 of 17
jmbfl
Valued Contributor

Re: Husband opened several CC under my name!!!

She needs to:
1) Put an FA on her CR's and
2) Let the CRB's and card issuers know what is going on, and
2) File a complaint for identity theft/fraud, now!
 
She needs to do these things right away. She does not need the police's approval to file a criminal complaint. If she would prefer she could visit the office of the prosecutor and take it up with them. They may understand a financial crime a little better than the police. This is totally criminal and must be dealt with in the most ugently. It is called IDENTITY THEFT. It does not matter that the thief is a family member. If an abuse victim continues to accept abuse they are guaranteed of one thing: FUTHER ABUSE. If she does not act now it will be very hard for her to avoid future BK. I personally know someone who was victimized like this and it did end in BK. If you are a friend you will get her to kick it, NOW!
Message 7 of 17
Anonymous
Not applicable

Re: Husband opened several CC under my name!!!

She did call the CC and they said that there is no way to prove that it wasn't her who opened up the CC.  She also closed them.  The one thing she hasn't done is call the credit bureaus and put an alert on it. I did mention for her to do that. 
 
BTW he did open the CC's online... Smiley Mad
Message 8 of 17
Anonymous
Not applicable

Re: Husband opened several CC under my name!!!

mayra,

I have a lot of insight to provide because I left my ex with a 3 yo and an 8 wk old four years ago. I had nowhere to go. THe only thing I owned was the baby's crib and some clothes. No furniture, not even a fork and plate for us to eat off of, let alone an apartment!!!

The first thing she should do is get a counselor. She can go to the local Health Department and start seeing a counselor. This will be key in documenting his history of threats/abuse/stealing to protect her children later. The counselor will let her know where the local Battered Women's Shelter is. Then she should file a restraining order immediately, mentioning his fraud as well. Even though the CCCs will tell her she can't prove anything, FILE THE POLICE REPORT FOR FRAUD ANYWAY!!! It will be another strike against him and help protect you later.

Make sure she has her bags packed when she files, because she wants to be GONE when he finds out about it. Restraining order filed, bags packed, go to the Battered Women's SHelter. Tell her, PLEASE don't be afraid to go. I put off leaving for over a month and a half because I didn't want to live in some dirty gym with a bunch of homeless women. MOST ARE NOT LIKE THAT!! WHen I finally left, it was actually a gorgeous house on a quiet street, with beautiful grounds, amenities... and other women just like me. They provided everything for me and my daughters. It was more like a vacation at a retreat than it was living in a "shelter" because we were homeless!! IT's VERY different than a homeless shelter. And, because they are so dedicated to anonymity, SHE WILL BE SAFE there, as long as she does NOT contact him.

Once she is safely at the Battered Women's Shelter, she will have counselors and guidance at every turn. They will help her navigate healthcare for her child, help her find work and even provide her with business/work clothes if she doesn't have any. They'll help her get a lawyer to work through the divorce, and give her endless help.

Have her go to www.freecycle.org and sign up for the local chapter. There, she will be able to get furnishings for her ENTIRE HOUSE, FREE. I furnished my whole apartment -- from fold-out couch, to small TV, to dishes, lamps, pots, pans, sheets... EVERYTHING. It is like craigslist, only everything MUST be free.

She CAN do this. I left when I was 22 and had a newborn. Four years later, it's like a bad dream. If you need or want more advice and guidance on how to leave, and resources, PLEASE email me. I can PM you my personal email addy.
Message 9 of 17
Anonymous
Not applicable

Re: Husband opened several CC under my name!!!

yes please email me ur ady I really want to get her all info necessary to leave this jerk!
Message 10 of 17
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