Someone is using my address to get credit w/o permission

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FastSRT8
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Someone is using my address to get credit w/o permission

Postby FastSRT8 » Fri Apr 20, 2012 6:21 pm

I received a credit card statement (sent to my home address) addressed to a person I don't even know!

I reported this to HSBC and told them I believe this is a scam.

He makes payments in whole amounts so the card is not overdrawn BUT the fact he is using my address worries me.

Is this a scam? How can they issue cards to people without checking their references or home address?


JCarter
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Postby JCarter » Sat Apr 21, 2012 6:40 pm

First of all,

Does this person use your name? If not, you're safe.

I would wonder how you figured out he makes payments in whole amounts as you state. If you opened this mail, you just violated the law and the Crown could certainly prosecute you.

Celestine
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Postby Celestine » Sat Apr 21, 2012 7:40 pm

The person on the credit card statement either must have lived at where you are currently living who forgot to call their credit card issuer to change address or the statement was sent to the wrong address by mistake. Also, it is possible that both parties messed up with entering the correct information. Like here at my city, there are two identical house or street number but with different street names.

In any case, like JCarter stated, you are not permitted by law to open mailings especially those that are considered "confidential" or have sensitive information if the mailings are not addressed to your name even if same address.

Not a scam unless it is addressed in your name. People move from place to place and they sometimes forget to fill out change of address or the issuer is still processing the request from the card holder.
"Nearly all men can handle adversity, but if you really want to test a man's character - give him power." - Abraham Lincoln


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FastSRT8
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Postby FastSRT8 » Sun Apr 22, 2012 5:39 pm

Guys / Gals...

I know what you are saying BUT here is what boggles my mind...


THE address is brand new. We minted it as we built a new house. This address was never issued by the city so I know no one has ever 'lived' or used it.

As for opening his mail, I think it's grey. The name was ultra suspicious (maybe I'm stereotyping) and I would rather be proactive than have the law enforcement come knocking at my door!

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FastSRT8
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Postby FastSRT8 » Sun Apr 22, 2012 10:22 pm

HSBC sent me right to their fraud dept.

It just struck me as odd that the card holder kept making small round number payments every 2 weeks so as not to get the card to bounce.

All these were flags to me that this was not 'normal'

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FastSRT8
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Postby FastSRT8 » Mon Apr 23, 2012 12:53 pm

Thanks JCarter for your insights.

Always a lesson to be learned and one noted.

There is just so much credit card fraud out there and I didn't want to be caught up in one especially since I do not have any time to spare.

Thanks

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FastSRT8
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Postby FastSRT8 » Wed Apr 25, 2012 2:14 am

Thanks for the intel on HSBC.... I'll stay away. To be forewarned is to be forearmed!
Carpe diem quam minimum credula postero!



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