ID Theft 1111 Responses

Last post: 3 years, 11 months ago | Thread started: Jun 18, 09, 8:12 p.m.

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• itsmitch

  Anybody been through an ID theft? We had a credit card cloned a few months ago, somebody went on a shopping spree and cleared out our checking account. The bank fixed it after a little pestering.

  Now we've got a collections agency calling claiming that we owe money to a bank in a state I've never even been to. I don't know if it's related to the cloned credit card or something new. I checked 2 of the 3 credit agencies and saw nothing about this other bank and when they called they had our first and last name and knew the last 4 digits of the SS# but they had the wrong middle name.

  Any tips? I'm doing research on the collections agency and bank that claims we owe them money. I can't afford an attorney. I'm considering filing a fraud alert with the 3 credit agencies but haven't found anything out of the ordinary in the 2 I checked. If the bank did open an account with our social security # but with an obvious incorrect name doesn't that prove they were negligent and open them to a lawsuit (I'm obviously very pissed at them)? Also of note, I'm recording all my phone calls with the collections agency and writing extensive notes in case I need to do any legal action.

  Jun 18, 09, 8:12 p.m. – Permalink

• monNom

  Don't give them any information. Could well be the ID theives fishing for more info.

  • Good idea.– itsmitch

  

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  Dog-earJun 18, 09, 8:18 p.m. – Permalink

• moveinspace

  Well getting in touch with the credit agencies is your first step and also have the bank who set the account up send you any paperwork or info they have on the account. In terms of recording phone calls if you live in Georgia as you say in your profile it is illegal and a felony in that state to do that.

  • not if you are being recorded by them it's not!– NONEIS1/4

    http://www.rcfp.org/…– moveinspace2/4

    http://www.citmedial…– moveinspace3/4

    becomes more complicated if they are in another state.– moveinspace4/4

  

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  Dog-earJun 18, 09, 8:18 p.m. – Permalink

• JourNYC

  You need to work with the banks. Call, email, etc to help them make sure you are who you say you are.

  Never trust the collection agencies.

  I heard stories about fake collection agencies who victimize people who have had ID theft.

  http://www.idtheftcenter.org/

  http://www.privacyrights.org/ide…
  http://www.ftc.gov/bcp/menus/con…
  http://www.idtheft.gov/
  http://www.ssa.gov/pubs/idtheft.…
  http://www.bbbonline.org/IDtheft…
  http://www.usdoj.gov/criminal/fr…

  • exactly...ignore the credit agencies and contact the banks directly.– moveinspace1/2

    I meant creditors not credit agencies. Equifax and the others should be contacted.– moveinspace2/2

  

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  Dog-earJun 18, 09, 8:19 p.m. – Permalink

• Brainiac

  Sucks!! I hope everything works out.

  

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  Dog-earJun 18, 09, 8:20 p.m. – Permalink

• JourNYC

  I have a good faith suspicion that I have been or am about to become a victim of identity theft.*
  Yes No

  Apply to LIFELOCK now

  

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  Dog-earJun 18, 09, 8:22 p.m. – Permalink

• JourNYC

  http://www.lifelock.com/lifelock…

  Sign up. This really i hear helps for people who are already a victim

  

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  Dog-earJun 18, 09, 8:26 p.m. – Permalink

• itsmitch

  Just to clarify, I wasn't "secretly" recording my phone calls ... they had an automated message that said "you phone call may be recorded" and I responded back that I was also recording the phone call. I'm not a lawyer, but if they can notify me of recording without talking to me, I'll return the favor.

  • to my knowledge one of the two parties needs to have knowledge– version3

  

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  Dog-earJun 18, 09, 8:34 p.m. – Permalink

• JourNYC

  Regardless of recording indication, while it maybe legal or illegal, you cant use it in code of law for in matters criminal or civil.

  • That's interesting.– itsmitch1/3

    You can provide probable cause to police but they may arrest you for illegally recording.– JourNYC2/3

    I would file harassment under state law for collection agency.– JourNYC3/3

  

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  Dog-earJun 18, 09, 8:35 p.m. – Permalink

• JourNYC

  Anything that can be deemed as evidence must have been warranted by a judge.

  • Through a police investigation.– JourNYC

  

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  Dog-earJun 18, 09, 8:41 p.m. – Permalink

• JourNYC

  BTW, collection agencies now a days, say they are cops, etc

  Record and verify their story but most of all deal with banks only. They will call off the dogs.

  

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  Dog-earJun 18, 09, 8:44 p.m. – Permalink

• JourNYC

  BTW I stole your ID

  • give it back!!!!– flashbender

  

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  Dog-earJun 27, 09, 9:49 a.m. – Permalink