I would call capital one directly. Do not call the number they called you from. Google it and call.
When they answer explain you got a call from someone claiming to be capital one and give them your social. Ask if there any accounts open in your name. If there is, report them as fraudulent immediately. Ask for proof they accounts have been closed.
If there isn’t any accounts open then I would write it off as a phishing scam.
Regardless of the outcome of that situation. I would then order all 3 credit reports from annual credit report .com. They are free since it’s run by the government and you can check it once a year.
I would have them look over each credit report for signs of fraud. If there is fraud. Immediately place a fraud alert with one bureau. They will notify the other two.
Then call whoever the creditor is that the fraudulent accounts are listed with. Report them.
I would highly recommend filing a police report because it’s difficult to get things removed for fraud without them.
But I understand not wanting to call police on family. I still advise filing a police report.
Most creditors aren’t going to give you infomation to verify anything. That’s not how it works. You would have to provide your infomation and then if it matched the records. Report it. They aren’t going to give you the listed phone numbers or addres associated with an account. This is done for security in order to prevent more fraud or some random person calling to commit fraud.
When they answer explain you got a call from someone claiming to be capital one and give them your social. Ask if there any accounts open in your name. If there is, report them as fraudulent immediately. Ask for proof they accounts have been closed.
If there isn’t any accounts open then I would write it off as a phishing scam.
Regardless of the outcome of that situation. I would then order all 3 credit reports from annual credit report .com. They are free since it’s run by the government and you can check it once a year.
I would have them look over each credit report for signs of fraud. If there is fraud. Immediately place a fraud alert with one bureau. They will notify the other two.
Then call whoever the creditor is that the fraudulent accounts are listed with. Report them.
I would highly recommend filing a police report because it’s difficult to get things removed for fraud without them.
But I understand not wanting to call police on family. I still advise filing a police report.
Most creditors aren’t going to give you infomation to verify anything. That’s not how it works. You would have to provide your infomation and then if it matched the records. Report it. They aren’t going to give you the listed phone numbers or addres associated with an account. This is done for security in order to prevent more fraud or some random person calling to commit fraud.
A police report needs to be filed as it may be needed to fix any issues arising from the identity theft such as capital one not closing the accounts, trying to hold her responsible, and/or inaccurate credit reporting.
I had a similiar thing happen with Capital One. I apped for one of their cards after seeing I was pre-qualified. Upon approval I got a screen asking if I wanted to set-up online access. I did and then it took me to a screen asking if I wanted to use the same email address on file. Problem was, the email address they had belonged to a family member and not me. I, of course, was confused and didn't think much about it. I changed the email to my own and waited for the card to arrive. Couple days later I received a call from Capital One security to verify I had applied for a card. I confirmed that I had. When I received the card I tried activating it only to find out it was restricted.
While logged into the online account portal I noticed there was another card listed that was also restricted. Called Capital One, talked to security again and found out the 2nd card had been opened three days earlier. The rep asked if I had received it and after telling him no and asking where it had been sent the representative actually gave me the address where it was mailed. I recognized the address as one belonging to a relative and in an effort to keep fraud out of the conversation I told the representative that the address actually belonged to my relative who had applied on my behalf and probably listed their own address in error. I told him my relative never received the card and asked if he could cancel it and reissue a new card to my verified address. He did and I ended up with 2 Capital One cards opened within 3 days of each other. This was back in 2015 before the six month rule between cards was in effect. I have closed both those original cards thru card combining since then.
So, I was able to get information on who had opened a fraudulent account because I knew who the email belonged to and also I recognized the address the card had been mailed to. It may have been because I "covered" for the relative by saying they were acting on my behalf and had simply made an error. The relative, to this day, has never admitted to applying for a card in my name and has never admitted receiving the card even though I told them what address Capital One mailed it to and what email address was associated with the account. My thoughts are that Capital One probably restricted the card after asking for information the relative couldn't access such as a driver's license or security question they couldn't answer.
I now have alerts that notify me whenever my SSN is associated with an inquiry or account opening.
It is a possibility. No one knows for sure since credit card company fraud protection measures are confidential infomation.
It would seem like that would be possible as they have access to your credit reports.
It would seem like that would be possible as they have access to your credit reports.
Excellent advice above that you've been given..
Have your friend join a credit monitoring site, there are both free & paid sites. They will alert if anything is pulled/opened.
Also, the reports can be frozen so nobody can open anything.
Lastly, make sure they pull their credit reports, ALL 3, via annualcreditreport.com, it's free and the reports need to be checked for other fraudulent activity.
CHEERS
Refer to my previous post about what to do since it was fraudulent.
I don’t know the statistics on the arrest rate on bank fraud but I would doubt that a credit card company would invest a lot of time in it for small amounts of money.
She needs to place a temporary fraud alert with one bureau and it will cover all 3 bureau’s. They last for 90 days. A police report is needed to place a fraud alert that lasts longer then 90 days.
Basically the fraud alert notifies any lenders to get ID documents before approving any additional kinds of credit. Some lenders may have additional requirements as well.
I don’t know the statistics on the arrest rate on bank fraud but I would doubt that a credit card company would invest a lot of time in it for small amounts of money.
She needs to place a temporary fraud alert with one bureau and it will cover all 3 bureau’s. They last for 90 days. A police report is needed to place a fraud alert that lasts longer then 90 days.
Basically the fraud alert notifies any lenders to get ID documents before approving any additional kinds of credit. Some lenders may have additional requirements as well.