Wasn’t exactly sure where to put this.
So please move if needed.
This doesn’t affect me personally, but I wanted to help out my mother in dealing with a fraudulent credit card.
My brother is in rehab for a year by court order. I had my mother freeze all 3 credit reports and place fraud alerts.
My little bother used to be addicted to drugs. When he was using he opened several accounts under my mothers name. She always caught most of them when the cards came in the mail and closed the account. One slipped through.
In May 2016. He opened a Citi Best Buy Card ( Visa) 5K limit. He ran up the entire balance and left my mother high and dry to pay it. She finally started receiving the bills that were late when he entered rehab the time before this. It had a balance of 6200. She paid it down to 3500 while he was in rehab the previous time. Upon getting out in late 2016. He said he paid the rest off since he had a job for about 6 months and supposedly had money. He never did.
My mother pulled her credit reports after being denied a credit card and it’s showing a charge off with citi for 3546 in mid 2017.
The account hasn’t gone to collections yet as of last week when she got her reports.
She doesn’t want to pay it, nor should we have to pay it. But on the other hand. She won’t file a police report about it if she has to say it was him. She’s not going to get him in trouble. I’ve tried to talk to her about it and how she needs to employ some tough love. She won’t and never will at this point. He’s doing good in the program and it’s been 9 months since he’s been in. He’s made some changes that we both can see so hopefully it sticks this time.
I want to help her get this off her reports. She had prefect credit. 800+ scores. Paid off her mortgage in 2015. Has about 10 positive trade lines. Never carries a balance.
Her scores are now in the low 600’s. She has one credit card herself.
What’s the best way to get this removed since it was fraud ?
Please keep in mind the earlier comment about not indicating it was him. She won’t do it so there’s no point in even trying. I know my mother.
So please move if needed.
This doesn’t affect me personally, but I wanted to help out my mother in dealing with a fraudulent credit card.
My brother is in rehab for a year by court order. I had my mother freeze all 3 credit reports and place fraud alerts.
My little bother used to be addicted to drugs. When he was using he opened several accounts under my mothers name. She always caught most of them when the cards came in the mail and closed the account. One slipped through.
In May 2016. He opened a Citi Best Buy Card ( Visa) 5K limit. He ran up the entire balance and left my mother high and dry to pay it. She finally started receiving the bills that were late when he entered rehab the time before this. It had a balance of 6200. She paid it down to 3500 while he was in rehab the previous time. Upon getting out in late 2016. He said he paid the rest off since he had a job for about 6 months and supposedly had money. He never did.
My mother pulled her credit reports after being denied a credit card and it’s showing a charge off with citi for 3546 in mid 2017.
The account hasn’t gone to collections yet as of last week when she got her reports.
She doesn’t want to pay it, nor should we have to pay it. But on the other hand. She won’t file a police report about it if she has to say it was him. She’s not going to get him in trouble. I’ve tried to talk to her about it and how she needs to employ some tough love. She won’t and never will at this point. He’s doing good in the program and it’s been 9 months since he’s been in. He’s made some changes that we both can see so hopefully it sticks this time.
I want to help her get this off her reports. She had prefect credit. 800+ scores. Paid off her mortgage in 2015. Has about 10 positive trade lines. Never carries a balance.
Her scores are now in the low 600’s. She has one credit card herself.
What’s the best way to get this removed since it was fraud ?
Please keep in mind the earlier comment about not indicating it was him. She won’t do it so there’s no point in even trying. I know my mother.
She isn’t opposed to filing a police report saying it was ID theft. But she’s not going to say she knows who it was.
I’ve tried to talk to her about doing just that. And she won’t. I’ve tried several times to convince her. She just gets pissed off and tells me to leave and she won’t get him in any more trouble.
So that’s out.
I don’t think she cares about the relationship with citi. She’s never been a very credit oriented person. She uses debt for everything. She’s been like that for 10 years that I can remember. She hates paying twice, hates autopay, and just in general dislikes credit cards.
She has one for emergencies, but even if something comes up she still uses debt. She basically has one for peace of mind and the occasional trip out of the country where she can’t use her debt card. ( she doesn’t even have a Visa/MC debt card) she just has an atm card and uses it most places.
She pays cash for everything. The only time she’s actually financied anything was when she bought her house. She did get a car loan for about a month because she couldn’t move money out of her investments fast enough and needed a car. Got a loan and then paid it off entirely when she got the money moved over.
She’s thinking about moving though which is why I want to help her get this taken off.
Anyway any other suggestions
I’ve tried to talk to her about doing just that. And she won’t. I’ve tried several times to convince her. She just gets pissed off and tells me to leave and she won’t get him in any more trouble.
So that’s out.
I don’t think she cares about the relationship with citi. She’s never been a very credit oriented person. She uses debt for everything. She’s been like that for 10 years that I can remember. She hates paying twice, hates autopay, and just in general dislikes credit cards.
She has one for emergencies, but even if something comes up she still uses debt. She basically has one for peace of mind and the occasional trip out of the country where she can’t use her debt card. ( she doesn’t even have a Visa/MC debt card) she just has an atm card and uses it most places.
She pays cash for everything. The only time she’s actually financied anything was when she bought her house. She did get a car loan for about a month because she couldn’t move money out of her investments fast enough and needed a car. Got a loan and then paid it off entirely when she got the money moved over.
She’s thinking about moving though which is why I want to help her get this taken off.
Anyway any other suggestions
I have no idea about this process. But if she did file one. Does she have to say she knows who did it ? Or can she just not say and act like she isn’t sure ?
She doesn’t know for sure that it was him. He never did openly admit that he did it, but we both know it was him.
She paid 3000 of it which is what it concerned about. I don’t want her to do that and then the police come back and arrest her when they find out she made a 3K payment.
She doesn’t know for sure that it was him. He never did openly admit that he did it, but we both know it was him.
She paid 3000 of it which is what it concerned about. I don’t want her to do that and then the police come back and arrest her when they find out she made a 3K payment.
I will try to talk to her again and point that out.
What about an FTC fraud report ?
What about an FTC fraud report ?
