Help! Identity fraud with around 20 credit cards?!

Get credit card fraud help: For victims of credit card fraud and identity theft, and those that can help.
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Clear
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Help! Identity fraud with around 20 credit cards?!

Postby Clear » Sun Jun 26, 2011 3:37 pm

Hey guys!
I was wondering if you guys ever been into a CC or Identity fraud?
Cause it just happened this morning when I got my mail, all these credit card bills came out of nowhere with new credit cards, probably over $12,000 of purchases.

I've just contacted all the credit card company to report fraud and to stop all credits. This is a total nightmare!!! There was even some situations that the bank couldn't confirm who I was. My mother maiden name I told the bank was this and they say that wasn't the mother maiden name. So I assume that person took over my account?!

I'm looking at all the bills and I assume is a Woman and probably a girl. Some purchases made were a $2000 Gucci Watch, Girls clothes, bags, shoes, etc.
You know, woman/girl stuff.

Some of the credit card that came in...

MACY STAR REWARDS CARD
Radioshack
TOYS R US
APPLE
A NEW CHASE CARD
A NEW BANK OF AMERICA CARD
BEST BUY
KOHLS
HSBC BANK
NORDSTORM
And like 10 others.

How is this possible? How can you or I even apply to that many credit cards? (I'm quite impress this person's credit limit is actually higher)
And don't stores usually check IDs if you were to spend a lot of money, like a $2000 Gucci watch!?
Unless it's identity fraud!? DAMMIT.

I'm the type of person that keeps all my SSN and personal information very safe and will never reveal to anyone except when applying to credit card.
How could this had happened? Someone sold out my SSN or a very smart hacker?

Anyway, I'm having quite a headache this morning.
What should I do next now?

My friends told me to contact the police, but how do I file a report? Just walk down to the nearest police station and explain my story, cause I assume 911 is only for life threaten emergency.

What should I do?


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Mogul of Pineapples
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Postby Mogul of Pineapples » Sun Jun 26, 2011 11:13 pm

Wow. 20 credit cards? You hear about a few bogus accounts being opened but that is the most I have heard at a given time. As to why it was possible, the only theory I have is that it's because all the cards were opened over a very short period of time. Credit inquiries take up to 30 days to show up on the report and if this crook opened them all at once, then the different creditors may not be aware other accounts have been newly opened simultaneously. Though I have to question the credit bureaus, because having that many inquiries should have raised a red flag in their system. Although the credit checks were likely spread across all 3 bureaus, many creditors pull from 2, which would mean there's a good chance one or more of the bureaus had well above 10 inquiries made.

Just because it's women's clothes that doesn't necessarily mean it was a women doing it. If someone was doing this to sell the stuff, they might have went for those items because of their higher prices.

As far as the next step. You should first call all 3 bureaus immediately and put a 90 day freeze on your SS#. It can be done quickly over the phone through some automated voice prompts. Next thing to do if you haven't already will be to go to the police station first thing tomorrow and file reports. Make sure you get copies or the file numbers because you will probably have to provide them to these creditors.

There was even some situations that the bank couldn't confirm who I was. My mother maiden name I told the bank was this and they say that wasn't the mother maiden name. So I assume that person took over my account?!


Are you talking about the new bogus accounts or your real, legitimate accounts?
Disclosure: I am a moderator/paid staff of this site, which does have advertising relationships with some credit cards that are discussed and linked to. Regardless, anything I say is my honest opinion.

Current Cards:
American Express: Blue Cash, Simply Cash Bank of America: WorldPoints Platinum Plus Chase: Amazon, British Airways, Cash Plus Rewards, Freedom, Ink Cash Citi: Thank You Premier, Dividend Platinum Select Discover: More
Primary Everyday Card: American Express Blue Cash
Primary Travel Card: Chase Sapphire Preferred

Clear
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Postby Clear » Sun Jun 26, 2011 11:57 pm

Most likely it was a bogus account.
But yeah, I'm taking work off tomorrow to try and fix everything.
Maaan, this is a pain.

:(

dfm990
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Postby dfm990 » Mon Jun 27, 2011 4:23 pm

woow... Clear, hope everything gets resolved... post again whenever you hear anything :/
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Discover It $22500 (12/13)
Bank of America Cash Rewards $7000 (3/13)
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Walmart Store Card $3050 (2/10)
Capital One Platinum $2000 (3/11)
Chase Slate $1000 (1/16)

Clear
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Postby Clear » Mon Jun 27, 2011 5:18 pm

Update 6/27/11

I have file a local police report.
I have contacted all the credit card company about the fraud and that they were very helpful. They say the account will be block and that I won't have to pay for any of this since this was a fraud and that each of their own company, such as Kohls, Bestbuy, etc. have their own investigation department and they will be looking into it.

The fraud has spent over $25,000 so far, maxing each and every card.
Example, Best Buy, $1000 limit, he/she maxed it out by purchasing $999.27 of stuff.

I have also contacted all three of the fraud government, bureau.

More credit cards are coming in now. Such as JC Penny, Frys, etc.

Most purchases are from 6-14 to 6-16. As of right now, I don't see any bills going past 6-16, but we shall see.

This person is on a massive shopping spree.


They should really catch this person, she/he has already have $25,000 of stuff.
Might as well rob the bank.

dfm990
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Postby dfm990 » Tue Jun 28, 2011 6:19 pm

hmm glad to hear, everythings going smoothly considering the situation your in.
Amex Gold NPSL (35000 Approved)(11/13)
Discover It $22500 (12/13)
Bank of America Cash Rewards $7000 (3/13)
Amex BCP $6000 (12/14)
Walmart Store Card $3050 (2/10)
Capital One Platinum $2000 (3/11)
Chase Slate $1000 (1/16)

prosper81
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Postby prosper81 » Wed Jun 29, 2011 12:37 am

I would not assume that the fraud departments for these companies will be doing their full due diligence. Be your own independent detective!

I would demand to know where exactly these purchases physically emanated from (city / location / time). I would then inquire with the local police department in that city and figure out if they are able get involved and how much you can do to push things forward.

Remember, the company that issued each of these credit cards are not interested in ensuring that your credit score isn't negatively effected. I feel like the majority of these thieves are getting away with their crimes with out having to compensate the actual citizen that may have their credit ruined for years.

The credit card companies have very little incentive in catching these thieves as their insurance policies typically cover such damages. Are we getting a cut from that policy payout? I don't think so! Be your own sleuth!

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Mogul of Pineapples
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Postby Mogul of Pineapples » Wed Jul 13, 2011 7:45 pm

Clear wrote:I have also contacted all three of the fraud government, bureau.


Did you have them place the 90 day freeze or the "until further notice" freeze on your credit? Usually the 90 day is sufficient but given the gravity of the situation, it wouldn't surprise me if the crooks are counting on that and try again after 90 days using your information.

Right now may be worth looking into one of those identity protection services. Some of them claim that they will help straighten matters like this out, and for $10 to $15 per month you would be getting your money's worth if they helped do the legwork to remove these fraudulent accounts from your file. Now as to whether the services comes through and does a good job with that may be a different story, I don't know.
Disclosure: I am a moderator/paid staff of this site, which does have advertising relationships with some credit cards that are discussed and linked to. Regardless, anything I say is my honest opinion.

Current Cards:
American Express: Blue Cash, Simply Cash Bank of America: WorldPoints Platinum Plus Chase: Amazon, British Airways, Cash Plus Rewards, Freedom, Ink Cash Citi: Thank You Premier, Dividend Platinum Select Discover: More
Primary Everyday Card: American Express Blue Cash
Primary Travel Card: Chase Sapphire Preferred

CFA
 
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Postby CFA » Fri Jul 15, 2011 4:38 am

Um yep that is insanity. Have the police done any followup with the info given?

prosper81
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Postby prosper81 » Tue Jul 19, 2011 5:34 pm

Will you ever be able to go after the criminals for damages???? Do we ever hear about this? I DON'T THINK SO!!! No doubt these criminals will be back on wellfare, medicaid, and free housing, and we all know the government won't be garnishing those handouts. Solution: put them in a agriculture producing prison, provide no medical coverage, just a roof and simple food, and make them work, HARD, to pay us all back. When they get out, will they do it again? Doubtful!!!



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