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Monday, 11 September 2006
Id Theft Accounts - Virginia Consumers
From: http://www.bbbonline.org/idtheft/stories.asp
Account #1:
"In April I was the victim of identity theft; fraudulent checks were written using my name and address, but with a fictitious account in a bank I have no account in. (A check service) contacted me in May in an attempt to collect on one of the fraudulent checks. I advised them of the situation, and provided a notarized fraud affidavit, and copies of the police report and my driver's license. I mailed this info to them via Certified Mail, Return Receipt. (The check service) signed (for these). I have since received two additional letters demanding payment from me; after the first I again wrote and explained that I was being victimized by an identity thief, referred to my previous letter, asked (the company) to stop harassing me, since they clearly knew I was not the person who had written the check in question, and again sent the letter via Certified Mail, Return Receipt. I also hold that receipt. Today I received a third 'Final Notice' from (the company) which again ignores all previous information I provided to them. They have never provided a name with whom to correspond, and my phone calls result in being placed on hold for several minutes . . . I wish (the company) to immediately cease their efforts to collect money from me which I do not owe, to acknowledge their error, and to assure me in writing that they have done nothing already, nor will they do anything in the future, to adversely affect my credit rating. Although I don't expect to get this, based on their behavior to date, I would like to see a written apology from a responsible company officer for the harassment, time and expense they've put me through." (This story posted online on 04/26/04)
Account #2:
"In 1999, I received a letter of credit denial from a place I'd never been. When I contacted the credit bureau I found that I had been the victim of identity theft. (One creditor) was on my report, so I contacted them and vehemently instructed them NOT to open this account under any circumstances and to notify me at once if someone tried to make purchases in my name. I was very clear in explaining my situation and the fraud. Now, almost 3 years later, in applying for an equity line of credit, I find that not only is this account STILL open, but has had over $600 in charges in addition to fees, totaling more than $800. This situation has been next to impossible to correct with credit bureaus, and has adversely affected my credit score. IN FIVE DAYS OF TELEPHONE CALLS, (the creditor) HAS NOT BEEN ABLE TO PRODUCE THE CONTRACT! They have not been cooperative in helping me, and my credit has been perfect aside from this. I would like to see the contract if they have sent the fraudulent account to collections in my name. I would also like to know what kind of business liberally hands out credit without the first shred of identification. I want any and all adverse credit deleted from my report at once. I want a letter of apology and explanation from the store, and I want letters to any creditor that I choose to have dealings with that this has been a gross error on the part of (the creditor). I want these things in writing, in addition to a written agreement that the company will write to and correct the credit problem along with the correspondence for same." (This story posted online on 02/25/04)
Account #3:
In October 2903, I was a victim of identity theft. An unauthorized person... used my... credit card number to purchase items in the total amount of $1,326.54 - in 9 days. My card was in my wallet the entire time. We do not know for sure how the number was appropriated - I do buy things on-line and I am sure there is a carbon-copy of my... card floating around from a restaurant or something. It seems that (the merchant) and (the credit card issuer) figured it out (the fraud) independently but on the same day. They apparently have a computer system to recognize unusual purchases... (the credit card issuer) left a message on my home phone - but I was at work - (that) they had cancelled the account. (The merchant) e-mailed me at work - they had my e-mail and credit card on file because I had purchased thru them before. I am guessing that someone was trying to make a very large purchase that tipped both (the credit card issuer) and (the merchant) off to double check... Regarding the (hotel) charge, (the credit card issuer) was able to trace it and said that the hotel in question is supposed to double check but they did not. What an easy way for fraud!! They never asked to see the credit card that was paying the bill! (The credit card issuer) was great - credited our account ASAP and did not grill us on the charges. (This story posted online on 12/15/03)
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