Potential Identity Theft (?)

Get credit card fraud help: For victims of credit card fraud and identity theft, and those that can help.
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Vattené
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Potential Identity Theft (?)

Postby Vattené » Tue Feb 11, 2014 11:04 am

Looking for some advice, not sure how serious my situation is...

My credit card was stolen last week (well, the account not the physical card). Luckily someone used it half way across the country and set off a red flag, so I got called right away to warn me of possible fraud. I confirmed the charges were not authorized by me and a new card is on the way.

This morning, however, my grandmother-in-law called to inform me that someone had just called her claiming to be me. The scammer told her a rich story about how I went on a trip to Mexico and landed in jail, and I needed her to give me $1,000 to get bailed out. Of course, I was so mortified by getting thrown in jail that she mustn't ever speak a word of the ordeal to anyone.

The thing is, she can't remember if he gave her my name or not. He just called claiming to be her grandson but she did not recognize the voice. She thinks she may have offered my name in guessing who was calling her. She's gotten calls from fraudsters like this before.

If anyone has any advice I would really appreciate it. I am thinking I should at least place a fraud alert on my credit profile. Is there anything else I need to do? I know I'm fortunate that it was caught immediately, but the situation still has me feeling quite paranoid and violated.
-Vattené
FICO-8:
EX - 809 (11/16) | TU - 803 (11/16)
Primary Cards:
American Express EveryDay - $20,000 (10/14)
Discover it - $23,000 (2/14)
AU on Barclay Sallie Mae - $10,000 (8/15)
plus several store accounts of varying usefulness now


MemberSince 79
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Postby MemberSince 79 » Tue Feb 11, 2014 11:14 am

File the police report and get a copy for the 7 year fraud alert. The delays it adds to you are worth the peace of mind.
Gold American Express, since 1979,
back when it meant something.
And a few other cash back cards as well.

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Vattené
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Postby Vattené » Tue Feb 11, 2014 11:27 am

Also, I'm not sure if it is relevant but I was recently http://creditcardforum.com/discover-diners-club/9275-approved-discover.html and already have access to my account online. I haven't received the card yet, but it should be coming in the mail soon. Since I've been approved already, this shouldn't cause any hiccups with the Discover card, should it?
-Vattené
FICO-8:
EX - 809 (11/16) | TU - 803 (11/16)
Primary Cards:
American Express EveryDay - $20,000 (10/14)
Discover it - $23,000 (2/14)
AU on Barclay Sallie Mae - $10,000 (8/15)
plus several store accounts of varying usefulness now

takeshi
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Postby takeshi » Wed Feb 12, 2014 9:13 am

I've heard of several recent scams that sound very similar and aren't necessarily related to credit card fraud. If you're concerned then put the fraud alert in place.

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Vattené
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Postby Vattené » Wed Feb 12, 2014 2:03 pm

I placed the 90-day fraud alert. I would like to file a police report. Does anyone have experience with anything like this? It just happened last week, and the fraud detection line said I would get some sort of ruling on the incident in the mail in about 30 days. Do I need to wait for that to have some kind of documentation to go in with? As of now I don't even have the statement yet.

As for the grandmother, I honestly suspect it was a run-of-the-mill scammer. She gets outlandish calls all the time from criminals preying on the elderly and hoping to come across someone that's confused. Once someone needed her address so they could deliver a flatbed truck full of prize winnings, never mind what contest she won or how she even entered it. She caught this guy by asking him when my wedding date was!

I guess it doesn't really matter, as the credit card fraud is enough to put up whatever security defenses I can.
-Vattené
FICO-8:
EX - 809 (11/16) | TU - 803 (11/16)
Primary Cards:
American Express EveryDay - $20,000 (10/14)
Discover it - $23,000 (2/14)
AU on Barclay Sallie Mae - $10,000 (8/15)
plus several store accounts of varying usefulness now

MemberSince 79
Platinum Member
Platinum Member
 
Posts: 51
Joined: Sat Feb 01, 2014 5:25 pm
Location: Excelsior

Postby MemberSince 79 » Wed Feb 12, 2014 5:17 pm

I filed a report a few years back and it was no big deal, but then I had all the info on the guy. Stupid idiot thought he was being cute, but I wound up with his phone bill. First guy on the Family list was his father.

In any case, just let the police know why you are doing this and they should be OK.
Gold American Express, since 1979,
back when it meant something.
And a few other cash back cards as well.

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Vattené
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Postby Vattené » Wed Feb 12, 2014 6:15 pm

Thanks, MemberSince 79. Thought he was being cute? Not sure I understand. He probably had some sort of rationilization for why it was ok for him to commit fraud against you...but cute?

I would love to find out who did this to me. Again, I don't want to sound whiney. No damage will likely be done and, if it is, worst case scenario it's under $100. But still, I would just like to find out who did it and how, if that's even possible.
-Vattené
FICO-8:
EX - 809 (11/16) | TU - 803 (11/16)
Primary Cards:
American Express EveryDay - $20,000 (10/14)
Discover it - $23,000 (2/14)
AU on Barclay Sallie Mae - $10,000 (8/15)
plus several store accounts of varying usefulness now

MemberSince 79
Platinum Member
Platinum Member
 
Posts: 51
Joined: Sat Feb 01, 2014 5:25 pm
Location: Excelsior

Postby MemberSince 79 » Wed Feb 12, 2014 7:01 pm

Cute, by changing his address to mine so I would get all the collection calls.

He forgot I would also get his bill.

You will never get the guy. Your concern should be how widely the info was distributed.
Gold American Express, since 1979,
back when it meant something.
And a few other cash back cards as well.

User avatar
Vattené
Centurion Member
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Posts: 1157
Joined: Sun Jan 26, 2014 3:55 am
Location: US

Postby Vattené » Wed Feb 12, 2014 8:30 pm

All he did was change the address?! I hope you were able to clear it up pretty quickly that it wasn't you, then...?
-Vattené
FICO-8:
EX - 809 (11/16) | TU - 803 (11/16)
Primary Cards:
American Express EveryDay - $20,000 (10/14)
Discover it - $23,000 (2/14)
AU on Barclay Sallie Mae - $10,000 (8/15)
plus several store accounts of varying usefulness now

MemberSince 79
Platinum Member
Platinum Member
 
Posts: 51
Joined: Sat Feb 01, 2014 5:25 pm
Location: Excelsior

Postby MemberSince 79 » Sat Feb 15, 2014 8:04 am

Vattené wrote:All he did was change the address?! I hope you were able to clear it up pretty quickly that it wasn't you, then...?


Actually, no. He kept doing it and the phone company said they would not stop him. I had collectors after me for months. Eventually they gave up.
Gold American Express, since 1979,
back when it meant something.
And a few other cash back cards as well.



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