I had a bad feeling last week when my daughter received two letters from an online bank saying that she had applied for two credit cards and needed to call them if she wanted the cards. She went to our credit union to have a flag put on her account, and she called a credit bureau and asked for a fraud alert. There was no number at which we could contact the online bank unless she wanted to activate the cards. I thought it was a phishing scam, and since she didn’t respond, we assumed the matter was handled.
Yesterday, she received a credit card from a third business, as well as a letter from the same online bank telling her that a third card had been requested. That’s four credit cards through the same online bank. Since the bank again did not give us a customer service number or a fraud number, and there was no way to reach them, she called the credit card company. Someone had opened an account online with her name, address, and social security number. The business told her she wouldn’t have to pay the more than $400 which had been charged, cancelled the account for her, and gave her the fraud number of the bank. It would have been helpful had they had that number on their previous letters or their website.
She called the number provided, and a helpful representative told her that a second card had been issued in her name with more than $500 charged on it. He cancelled that card, assuring her that she wouldn’t owe anything, and told her to call the social security office and the police.
Last night, a very knowledgeable deputy sheriff spent about an hour with us, filling out a police report. She now has an active, open case which will be handled by a detective. She also put a daily watch on her social security number through a credit bureau. In the meantime, we need to speak again with our credit union concerning changing her account and debit card numbers.
She was, and is, quite upset. Why would someone intelligent enough to do all that waste his/hers abilities breaking the law instead of earning a living with them?