I need help. I am desperate and don't know what to do.

[susanhannah]

Ten years ago, my ex-husband abandoned the children and me. It was a blessing in diguise since he was very abusive.   I divorced him two years later.  When he left he took all the money out of our accounts and hid them in Europe.  He signed custody of the children over to me and all was good because I was glad to be rid of him and felt I ould move on with my life in a healthy way. My FICO score was 797 and I was doing well.  I met a very nice man four years ago and we have been together since, engaged as I write this.

Three years ago, my ex returned on the scene and abducted one of our children - literally. My lawyer and police got the Center for Missing and Exploited Children involved.  Luckily, we found my son; safe (thank goodness) but emotionally traumatized. Through all of this, I kept a strong FICO score.  My ex husband was a bank examiner with KMPG and is a executive treasurer of a bank, part time, where he gets paid bank fees.. He holds a very high position with his day job.  He also has a very strong financial skill set.

At the time of the divorce he threatened me with - he was going to make me pay for living and that is what he has done. I have spent over $250K in legal fees to no avail.  My house has been set on fire, my tires slashed, and nails in new tires that replaced the slashed ones.  The police know its him but until he gets caught, they can't arrest him. That's another story.  I am writing now because he has been able to damage me financially. He has been able to get into my bank accounts (two) and make transactions that appear as though they come from another bank. I have left two banks because he has been able to "infiltrate."  He has a friend who is a forensic IT guy who I believe does this.  I found the IT guy's ex wife and learned that he did similar things to her that my ex does to me. I now am with another bank and he cannot get in (I think). 

He does not pay his alimony or child support on-time (he's a millionaire) and I still have to suppor the kids.   My accountant has tried, once in 2014 and 2016, to have my ss# changed and was denied both times.  My ex has all the information he needs to destroy me financially.  What can I do to rebuild my credit? I have always been financially responsible but I can't seem to get beyond his shenangigans.  Please don't tell me to tell my lawyer or accountant. They too are dumbfounded.

Sharon

[Anonymous]

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@susanhannah wrote:

Ten years ago, my ex-husband abandoned the children and me. It was a blessing in diguise since he was very abusive.   I divorced him two years later.  When he left he took all the money out of our accounts and hid them in Europe.  He signed custody of the children over to me and all was good because I was glad to be rid of him and felt I ould move on with my life in a healthy way. My FICO score was 797 and I was doing well.  I met a very nice man four years ago and we have been together since, engaged as I write this.

Three years ago, my ex returned on the scene and abducted one of our children - literally. My lawyer and police got the Center for Missing and Exploited Children involved.  Luckily, we found my son; safe (thank goodness) but emotionally traumatized. Through all of this, I kept a strong FICO score.  My ex husband was a bank examiner with KMPG and is a executive treasurer of a bank, part time, where he gets paid bank fees.. He holds a very high position with his day job.  He also has a very strong financial skill set.

At the time of the divorce he threatened me with - he was going to make me pay for living and that is what he has done. I have spent over $250K in legal fees to no avail.  My house has been set on fire, my tires slashed, and nails in new tires that replaced the slashed ones.  The police know its him but until he gets caught, they can't arrest him. That's another story.  I am writing now because he has been able to damage me financially. He has been able to get into my bank accounts (two) and make transactions that appear as though they come from another bank. I have left two banks because he has been able to "infiltrate."  He has a friend who is a forensic IT guy who I believe does this.  I found the IT guy's ex wife and learned that he did similar things to her that my ex does to me. I now am with another bank and he cannot get in (I think). 

He does not pay his alimony or child support on-time (he's a millionaire) and I still have to suppor the kids.   My accountant has tried, once in 2014 and 2016, to have my ss# changed and was denied both times.  My ex has all the information he needs to destroy me financially.  What can I do to rebuild my credit? I have always been financially responsible but I can't seem to get beyond his shenangigans.  Please don't tell me to tell my lawyer or accountant. They too are dumbfounded.

Sharon

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Very sorry to hear of your troubles.  Have to say this sounds like a made for tv movie.  Id hate for this to happen to anyone.  It's Friday so you probably wont get a lot of help over the weekend. First it's very hard for any of us to help you when you say the police, lawyers and accountant cant.  In order for us to give you suggestions you need to be more specific on what he has done to ruin your credit.  Without a doubt you need to document as much as possible with the police anything that involves identity theft.  There are specific requirements for credit bureaus as to what they can and cant report when a person is a victim of identity theft but it has to be documented with law enfocement.  You can find more information at the link below.  There are other people here like RobertEG that hpefully will see your post and provide some ideas.  I wish you the best.

http://ficoforums.myfico.com/t5/General-Credit-Topics/Victim-of-Identity-Theft-What-To-Do-to-Protect...

[sarge12]

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@susanhannah wrote:

Ten years ago, my ex-husband abandoned the children and me. It was a blessing in diguise since he was very abusive.   I divorced him two years later.  When he left he took all the money out of our accounts and hid them in Europe.  He signed custody of the children over to me and all was good because I was glad to be rid of him and felt I ould move on with my life in a healthy way. My FICO score was 797 and I was doing well.  I met a very nice man four years ago and we have been together since, engaged as I write this.

Three years ago, my ex returned on the scene and abducted one of our children - literally. My lawyer and police got the Center for Missing and Exploited Children involved.  Luckily, we found my son; safe (thank goodness) but emotionally traumatized. Through all of this, I kept a strong FICO score.  My ex husband was a bank examiner with KMPG and is a executive treasurer of a bank, part time, where he gets paid bank fees.. He holds a very high position with his day job.  He also has a very strong financial skill set.

At the time of the divorce he threatened me with - he was going to make me pay for living and that is what he has done. I have spent over $250K in legal fees to no avail.  My house has been set on fire, my tires slashed, and nails in new tires that replaced the slashed ones.  The police know its him but until he gets caught, they can't arrest him. That's another story.  I am writing now because he has been able to damage me financially. He has been able to get into my bank accounts (two) and make transactions that appear as though they come from another bank. I have left two banks because he has been able to "infiltrate."  He has a friend who is a forensic IT guy who I believe does this.  I found the IT guy's ex wife and learned that he did similar things to her that my ex does to me. I now am with another bank and he cannot get in (I think). 

He does not pay his alimony or child support on-time (he's a millionaire) and I still have to suppor the kids.   My accountant has tried, once in 2014 and 2016, to have my ss# changed and was denied both times.  My ex has all the information he needs to destroy me financially.  What can I do to rebuild my credit? I have always been financially responsible but I can't seem to get beyond his shenangigans.  Please don't tell me to tell my lawyer or accountant. They too are dumbfounded.

Sharon

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How in the World does he have a job at a bank after he abducted your son? If he had signed custody over, he should have been in prison for kidnapping.

[Anonymous]

wow, Im sorry you have to go through this... $250K fees for what? to fix your credit? I'm not sure what that was for...

In regards to your credit, he obviously has your personal information and so he can make all that menace...but if you have a police report about your idenity theft, you can submit the report to all credit bureaus and they will put a 7 years fraud alert on your credit. Get you a new phone number and give them a pin number so that only you can know.... or freeze alert.. whichever one. 

If everything you just said are all due to identity theft, then the creit bureaus can help they have hotlines for it and can walk you through them. Specially if you have police reports. 

Anyway good luck to you wish you the best.

[Kidcat]

In addition I believe you can make a freeze with Chexsystems.  I would also speak to your bank about restricting large ACH transaction, and maybe go old school for a while and write checks, or pay cash for bills.  Fraud alert on all credit reports.  Advise you bank of the issue and see what they suggest.

Also get a new lawyer, and look into a PI to get the forensic evidence you need.  File a police report every time, whether they do something about.

Finally, file a civil suit (hit him in the pocket)- Fraud, Intentional Infliction of Emotional Distress etc.  Once you have a case number you will be able to conduct discovery, subpoena his records, etc.  

If everything is well documented you may get a lawyer who will take the case on contingency or even pro bono- call Gloria Alred- she won't be afraid of your ex.

Be safe, and good luck

[Anonymous]

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@susanhannah wrote:

 What can I do to rebuild my credit? I have always been financially responsible but I can't seem to get beyond his shenangigans.  Please don't tell me to tell my lawyer or accountant. They too are dumbfounded.

Sharon

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Can you be very specific as to what is wrong with your credit file and we can begin from there for best responses? It will be hard to pinpoint what is wrong based on the tattled tale above.

[susanhannah]

Thank you for the reply.  This does sound like a movie, a bad one at that.  Accountants and lawyers are not well versed in these matters, as I have learned. My attorneys are family law/custody attorneys which means they know nothing about identity theft.   When I say my ex has done..... these things, I  mean he has had them done to me. He does not do them himself.  He has people do them.  There is this one person he knows who is a forensic IT guy.    I knew this guyhad a terrible divorce that but I was not sure what happened.  I was able to locate his ex wife who shared the horrors that he put on her.  Sadly, they are almost the same ones i have experienced so I feel confident that my ex has "employed" this guy to do the things that have been done to me.  A small background on this guy is he had a big job with a security firm and was charged with insider trading.  To stay out of jail he cooperated with the FBI.   So he's out doing what he does best and my ex knows this guy can do the job.

So what have they done.  A litany of things.  There were times I would use my ATM card to have it not authorize.  I would go to the bank and find that my $257 balance was gone and I had a $18,944 negative balance.  This happened a few times. The branch manager would call the fraud department and all would be ok.    My ex had my bank info because the court had me turn it over so he could deposit the child support into my account.  After two years of this nonsense, I have changed banks and he refuses to pay his child support on-time because I refused the new account information to him.    Transactions have been made to my accounts, passcodes changed, a garden variety of stuff.  Several of my creditors have shut down my accounts.  My accountant has writtten to the credit bureaus and I have atttached police reports, however, the police reports cannot point a finger at anyone.  This is becomign a full time job which is impossilbe to do since he drags me to court on custody issues and and so many other things  that I am overwhelmed.  He has followed me when I go on vacation so I got a protective order. He then violated the protective order and he got arrested.  He was only in jail for 24 hours and when he got out he retaliated against me further.  Worse is that he will threaten me with my son.   So, its not just this but I want to clean up my credit and then safeguard it.

[susanhannah]

Good question about the abduction.  Although I was custodial parent, we had liberal visitation. Since he never had an interest in either child, who would have thought he would ever come back.  He got his hand slapped for the abduction.  I was HORRIFIED becauee I expected a more harsh punishment. The judge actually said that if he wanted to change the custody agreement all he had to do was go to court. She told him to never abduct again.  I was shocked.  I do have 47 reports of contempt for violaton of parental custody meaning he does not return my son for vistitation.  We go to court this Thursday on that issue.  The man cannot stop.   As the DA said at one trial --- "This guy is a piece of work. He walks up to the line, across it but never steps over it."  Doesn't hekp me though.

[RobertEG]

Whenever something related to identity theft or fraud hits your credit report, the identity theft process under the FCRA permits you to get it blocked without having to prove anythng or get any consent from the party who reported the information.  If you put your assertion into a sworn police report and send to the CRA, then the CRA is REQUIRED to block that information from your credit report under the provisions of FCRA 605B.

The full details on the identity theft process under the FCRA are provided in a stick post in the upper section of the General Credit Topics (i.e., this) forum.

Read carefully, and ask any questions here in the forum.

Then file a police report for each item you wished blocked, and send to the CRA accompanied by proof of your identity and a copy of an executed, standard FTC fraud affidavit.

[Anonymous]

Sorry it doesn't make sense - if the ex is not paying child support and he's a millionaire? that's judgment against him and he HAS to pay ... if he hasn't paid in years, he shouldl be in jail??? I dont understand why the court ordered you to give him your account number, you can just say you don't have one? he needs to show proofs that he paid child support, so if he's sending you a check, then cash it to that local bank. 

How is it possible to only have $257 balance and have your accunt negative $18K? you must have a really good relationship with new banks to allow you to overdrawn your account like that.... 

I think there's more to this story than presented but as an outsider looking from this side.. not much makes sense.

If there's a police report sent to CRA they will block all your credit report. All you need is the report - 

You can have your bank stop any ACH and only in-person transaction. No Debit Card, No Checks, No ACH.... 

Again, child support is court ordered, someone just can't stop paying and get away with it... coz if they dont pay in so many consecutive months you can file for his garnishment of wages and report of his assets. I cant find it and too sleepy to look but there's also a motion to request for his liquid assets where you can take money from his bank account for money owed to you. 

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@susanhannah wrote:

Thank you for the reply.  This does sound like a movie, a bad one at that.  Accountants and lawyers are not well versed in these matters, as I have learned. My attorneys are family law/custody attorneys which means they know nothing about identity theft.   When I say my ex has done..... these things, I  mean he has had them done to me. He does not do them himself.  He has people do them.  There is this one person he knows who is a forensic IT guy.    I knew this guyhad a terrible divorce that but I was not sure what happened.  I was able to locate his ex wife who shared the horrors that he put on her.  Sadly, they are almost the same ones i have experienced so I feel confident that my ex has "employed" this guy to do the things that have been done to me.  A small background on this guy is he had a big job with a security firm and was charged with insider trading.  To stay out of jail he cooperated with the FBI.   So he's out doing what he does best and my ex knows this guy can do the job.

So what have they done.  A litany of things.  There were times I would use my ATM card to have it not authorize.  I would go to the bank and find that my $257 balance was gone and I had a $18,944 negative balance.  This happened a few times. The branch manager would call the fraud department and all would be ok.    My ex had my bank info because the court had me turn it over so he could deposit the child support into my account.  After two years of this nonsense, I have changed banks and he refuses to pay his child support on-time because I refused the new account information to him.    Transactions have been made to my accounts, passcodes changed, a garden variety of stuff.  Several of my creditors have shut down my accounts.  My accountant has writtten to the credit bureaus and I have atttached police reports, however, the police reports cannot point a finger at anyone.  This is becomign a full time job which is impossilbe to do since he drags me to court on custody issues and and so many other things  that I am overwhelmed.  He has followed me when I go on vacation so I got a protective order. He then violated the protective order and he got arrested.  He was only in jail for 24 hours and when he got out he retaliated against me further.  Worse is that he will threaten me with my son.   So, its not just this but I want to clean up my credit and then safeguard it.

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