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Some piece of crap stole my Identity

RAre

RAre

Member
Just found out last night after getting a call about a recent purchase on a CC I didn't own that someone got my personal information. After reporting it to one of the credit bureaus I got a free credit check to find out that this person in the past 3 months had attempted to get 8 CC, this screwed my family night with my kids and really piss me off. Because I spent all night calling every CC to close them, instead of being with my family.

Has anybody else had this happen and any tips, I signed up for the 3 month fraud report and when I get my letters in the mail about my ID theft I'm signing up for the 7yr option. From my readings this seem like the best protection.
 
Happened to me twice... Actually more than that but the first two were the worst.

It happened when the chip cards first came out. I had gotten one in the mail to activate and forgot about it for about a week. I was driving to a meeting one day and remembered I had the new card in my vehicle so I figured I'd activate it on the way to the meeting. Called, activated it and put it in my wallet. I walked into the meeting, as I sat there I felt my phone vibrating from emails. I couldn't pull it out to check right there but I was getting concerned about how many emails seemed to be coming all at once, I suspected there was a work related problem going on. Got out of meeting and I had 26 unread emails, all of which said fraud alert. It was about 3k worth of charges and my bank and stopped all of them. I called my other credit card comp and found out that it had been hit as well for another 2k or so.

Now, what it amounted to was a real pain in the ass because I then had no credit cards because I had to wait for the new ones to show up. I don't really like living off cash. But they came, got all my money back and it was all good.

I've had a few other issues with a misc fraudulent charge. I've never lost any money over it. You HAVE to check your statements. Most people never know they were robbed because thieves steal just enough to stay under the radar.
 
Good advice. Check your statements. Ive even had clerks or waiters pull out more than the alotted amount when i bring the family out to eat. Take it back to the manager and have them fired.

And yes credit card fraud is pretty easy to prove and banks forgive it. Happened to us once. We even had video of the 2 bitches at a mall signing under my wifes name. Good video as well. Sadly enough its not important enough to police to pursue
 
Damn man, that sure sucks. My mom had her identity (and her SocSec checks) stolen and the thief turned out to be a woman living in a low income complex. In addition there's $40K in credit cards and auto loans opened in my mother's name. Took 6 years to get the SS issue resolved as well as cleaning up the mess with those other cards and car loans.

I would put fraud alerts on your credit reports and file police reports. Hope there's video of any transactions made on those fraudulent cards to nail who ever got those cards in your name OP. Safeguard every piece of personal info and when throwing credit card statements away, shred them.

Restaurants (and gas stations) are the worst place ever to use a credit/debit card and I would just pay cash for that or use a prepaid card that is not tied to any bank account so if that card got compromised I'd just lose what is on that card only.

Safeguard chip cards as well by keeping them in a foil lined wallet as thieves now can read these chips using special RFID readers and then crack the encryption.
 
gr8whitetrukker said:
Good advice. Check your statements. Ive even had clerks or waiters pull out more than the alotted amount when i bring the family out to eat. Take it back to the manager and have them fired.

And yes credit card fraud is pretty easy to prove and banks forgive it. Happened to us once. We even had video of the 2 bitches at a mall signing under my wifes name. Good video as well. Sadly enough its not important enough to police to pursue
Click to expand...
Had the cops got ID on those people? That should been enough to bring them in if they used cards that did not belong to them. Credit card fraud is indeed a big deal these days.
 
MindlessWork said:
I would put fraud alerts on your credit reports and file police reports.
Click to expand...

This is good advice and it reminds me of something else...

A few years ago, we had an issue at my company where our employees were going to file there taxes. Some of them came to find out that there taxes had already been filed and that the tax refund had been paid already. It took a lot of them a long time to get it straightened out. We found out from the IRS that the government pays a shit ton of money to the wrong people every year, and it just gets swept under the rug.
 
Eman said:
This is good advice and it reminds me of something else...

A few years ago, we had an issue at my company where our employees were going to file there taxes. Some of them came to find out that there taxes had already been filed and that the tax refund had been paid already. It took a lot of them a long time to get it straightened out. We found out from the IRS that the government pays a shit ton of money to the wrong people every year, and it just gets swept under the rug.
Click to expand...
Yes that has been happening on a very large scale, and bad enough at one point for the major companies that sell tax software (TaxAct, Turbotax, HR Block etc) to advise filers to manually file their returns rather than sending through the program. Be very careful who you deal with to file your taxes, even if done through a professional tax preparer/CPA.
 
How about some finance manager at a car dealer used my brothers credit to get about 10 other people approved for auto loans!!!!
 
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