American Express was fraudulently opened in my name.

Get credit card fraud help: For victims of credit card fraud and identity theft, and those that can help.
5 posts
HeplMe
 
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Joined: Sun Jan 19, 2014 8:22 pm
Location: trenton, nj

American Express was fraudulently opened in my name.

Postby HeplMe » Sun Jan 19, 2014 8:29 pm

Hi, a couples day ago a debt collector came to my house and delivered a court Summons that stated I owed American Express $20,000 which I don't have Amex account. I checked the credit card bureau and found out that on 4/29 the account was opend and closed in July. I did not received bills or statments at my current address. What should I do? Please advise. Thanks.


MemberSince99
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Postby MemberSince99 » Mon Jan 20, 2014 12:23 pm

You need to file a police report that your identity was stolen and used to commit credit card fraud with.


You should also lock your credit with the credit bureaus ASAP and make sure nothing else was stolen in the meantime.


You need to show up in court for this do NOT just blow it off or hope it will go away on it's own it won't. You should prepare a defense basically including the police report you file and what you've done with the credit bureaus (locking down your credit) and make the case that you did not do this and your identity was stolen and you are not responsible. Given the amount they are suing you for, you might wish to hire an attorney if you are not comfortable doing this because if they get a judgement on you, it's going to cost you a lot more than a good lawyer will.


Good luck.

cashback
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Postby cashback » Mon Jan 20, 2014 12:33 pm

Get a lawyer.
Credit Cards
Amex BCE 25K ---- PenFed Platinum Rewards 15.5K --- US Bank Cash+ 12K --- Discover IT 6K --- Citi Dividend 5K --- Chase Freedom 12.5K --- Amex SPG 6K --- Citi Thank You Preferred 15K

Not Used
Citi Simplicity - 5K, Sam's Club Discover - 10K

Future Cards
Sallie Mae World Mastercard

FICOs
Exp 772 - TU 781 - Equ 781

kwrxxx
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Postby kwrxxx » Tue Jan 21, 2014 6:49 pm

HeplMe wrote:Hi, a couples day ago a debt collector came to my house and delivered a court Summons that stated I owed American Express $20,000 which I don't have Amex account. I checked the credit card bureau and found out that on 4/29 the account was opend and closed in July. I did not received bills or statments at my current address. What should I do? Please advise. Thanks.


Hi, You need to retain a lawyer before going to the police. American express and the police are going to investigate you first. I was a ID theft victim 20 years ago and I was the number one suspect. You also need to get a credit freeze at the four credit bureaus. Trans Union, Experiran, Equifax and Chexsystems. It will cost $10 at each bureau online or by phone. Don't wait for a police report or investigation. By that time numerous other accounts could be opened.
You need to look at your chexsystem report to see if there are any inquires by banks or deliquient accounts then you need to find out if a checking account was opened in your name. If so, most likely bad checks will have been used by the bad guy(s) and the merchants, prosecutors and police will issue warrants for your arrest.

MemberSince99
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Joined: Sun May 20, 2012 4:35 pm
Location: WI

Postby MemberSince99 » Fri Jan 24, 2014 6:47 am

These days, they bring you to the Ministry of Truth, and torture you until you confess that you really did it. Then they lay the blame on you and put you in prison, and the bank seizes your assets to pay for it, while the thieves get all the bennies. If you don't have the assets to cover it, they sell your children into slavery, and if money is still owed, the taxpayers will get to bail out the banksters so they will still get their precious bonuses.


So never fear true justice shall prevail.



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