Trying to recover active but unused credit card account

[GApeachy]

@Question_man Couple of questions: Have you gone through your old bank stmts?  Have you saved any bills? 

If not or cannot.....have you already tried or considered.....

1. Contacting your current and/or past FI(s) within that certain timeframe.

-then-

2. Request hard copies of old bank stmts.

-then-

3. Cull through stmts. for pymts. to each and every credit card company(s) from said timeframe.  

If you ever made pymt. to said CC Issuer via ach or check you should be able to identify which Bank...whether open or now closed doing some Google searches.

[lonnyphillips]

So glad im not the only one who actually read everything, really nothing confusing 

[Question_man]

---

@GApeachy wrote:

@Question_man Couple of questions: Have you gone through your old bank stmts?  Have you saved any bills? 

If not or cannot.....have you already tried or considered.....

1. Contacting your current and/or past FI(s) within that certain timeframe.

-then-

2. Request hard copies of old bank stmts.

-then-

3. Cull through stmts. for pymts. to each and every credit card company(s) from said timeframe.  

If you ever made pymt. to said CC Issuer via ach or check you should be able to identify which Bank...whether open or now closed doing some Google searches.

---

All good ideas, except that I don't think I've ever actually used that account, so I would never have written a check to pay that account. 

Later today I will be posting a summary of what I've done so far.

[Question_man]

---

@SUPERSQUID wrote:

---

@Question_man wrote:

I have an active credit card account, but I have not used it in many years and I discarded the card.  My insurer issued a credit to this account, and I have the last 4 digits of the account. How can I learn the name of the issuer of this card?

---

If your insurer issued a credit to the account then your insurer has the whole number, i suggest you contact your insurer for the info.

---

Just what I've done.  Later today I will be posting a summary of what I've done.

[Question_man]

---

@AverageJoesCredit wrote:

If you are trying to find out what credit card is issued just look t what cards are on your report. You should be able to discern hat card you decided not to use . 2 years is not a ong time credit wise so it should be on your credit report. If you know how many credit cards you have right now in your possession,  just go down the list of open credit cards until you see the one you no longer have.

---

One part of the problem is that it is not so easy to contact credit card issuers with a question like this.

Later today I will be posting a summary of what I've done.

[Question_man]

---

@krit wrote:

If your reports have all but the last four numbers of the account and you do have the last four, try putting them together and see if they work. 🤷 

Also, when I call the toll-free number for a few of my cards, they ask for the last four of the account # OR the last four of my SS#. If you can get the last four of your SS to work, you may be put through to a representative. Surely they have a way of verifying your identity once the system has matched your SS#.

If they won't cooperate, try closing the account, then hopefully they'll mail you a check for any credit in the account. 

---

Oooh, excellent idea!  I will try that--but first, I will try that using the digits of a virtual card I know for sure is active.

Later today I will be posting a summary of what I've done.

[Question_man]

---

@SoCalGardener wrote:

---

@krit wrote:

If your reports have all but the last four numbers of the account and you do have the last four, try putting them together and see if they work. 🤷 

Also, when I call the toll-free number for a few of my cards, they ask for the last four of the account # OR the last four of my SS#. If you can get the last four of your SS to work, you may be put through to a representative. Surely they have a way of verifying your identity once the system has matched your SS#.

If they won't cooperate, try closing the account, then hopefully they'll mail you a check for any credit in the account. 

---

But *who* would the OP attempt this with? They don't know which card it is, hence they don't know who the card's issuer is, hence they don't know which bank to call. It could be some obscure bank no one would ever think of, so just starting with an A-Z list of credit card issuers and calling each one probably wouldn't be fun. I don't see how this will work for them since they don't know which card they're dealing with.

---

Not to mention, it is not at all easy to contact issuers with a question like this--which I think more and more, is by design.

Later today I will be posting a summary of what I've done.

[Question_man]

---

@GatorGuy wrote:

---

---

---

@Remedios wrote:

Suggestion to look at credit report has been made multiple times. It's the only solution to OPs problem, and yet, it's something they aren't willing to do. 

Then here  they stated issuer cannot help them, and the only reason why someone would make such a statement is if they know who issuer is and have contacted them. If they contacted them, one would think that's the end of that story. 

If they didn't contact them, I have no idea how to interpret "issuer cannot help me" 

In any case, refund from the issuer will be mailed via check, it's just going to take a while. 

There is absolutely nothing about this thread that I understand at this point. 

---

 I read his comment to mean his insurance company who issued the credit could not tell him about what card it went to. 

---

You are exactly right.

[Question_man]

You've got it right.

Later today I will be posting a summary of what I've done.

[ozzman469]

Not sure if this would yield any results, but have you tried calling Visa, Master Card, or whatever type of card it was to see if they could track down who the issuer might have been with the limited data that you do have?