- Platinum Member
- Posts: 77
- Joined: Fri Apr 18, 2014 10:30 pm
- Location: South Florida
Yesterday (June 23rd) I retrieved my e-mails in the early evening. Two messages from Capital One regarding my MasterCard account (I am signed up for security alerts/changes to my account): 1) Your address has been updated, if there is a problem, call customer service 24 hours a day, etc. 2) Your telephone number has been updated, etc. Well I SURE DIDN'T change my address and phone number, so I immediately called the banks Fraud Dept. and sure enough, the Fraud agent told me that somebody called in during the day and changed my address and phone number to something else. The agent could not/would not tell me what the "new" address and phone number were, despite my insistence. There had been no charges made to my account however, so the bank simply closed out that account number, and transferred everything to a new account, a new card and PIN will be sent to me. No damage done? I caught it in time? YES damage: of course, somebody used my name, current address, current phone number, and birthday to identify me, (easy to get info), BUT: how did they match up my SS#, the last 4 digits of the account number AND my mother's maiden name as well? In other words, they had everything needed to change the address and phone number using the bank's telephone customer service system. I never gave out my mother's maiden name anywhere except to banks (to use as an ID), and I never give out my SS# to anybody but banks or Government agencies. My worry is that some crook now has enough information to apply for NEW credit cards and loans, and I may not find out about it until too late. BTW, in addition to fraud alerts with the banks, I use a monitoring service called "PrivacyGuard" to advise me if new loan applications were made in my name or if information was changed, or public records published about me (with the Experian Agency). But the damage is already done at that point. Where does this all end???