So here is what happened to me recently. This is post to both vent and ask for advice on what to do next. I was somehow a victim of identity theft, and no idea what to do.
Someone managed to create a checking account on my name. I found when I happened to apply to the bank for a credit card in the same bank (maybe nice coincidence, but it's one of the major banks). I was approved for the card and so dar so good
But When the card finally arrived in the mail and I tried to activate the card and create an online account in the bank it was not letting me. I have never step a foot in this bank or have a checking account of any sort before applying to my credit card.
I was not able to activate it and create an account due to an online account with same name already existing. I talked to customer service and they said that there was an address and phone that didn't match what I was telling them which was weird so I hanged up and called the fraud department.
I talked to the fraud department and they basically said that there was a checking account with my name that had been created few months before I applied for my credit card ( I didn't create it, no idea if it had a balance). I asked to get the checking account closed, the online account to my name closed so I could open a new one and a new plastic card sent to my correct address. I don't know what else to do. I filed a claim with ic3 and put an alarm in Trans union, but I don't know how to check if there are other fraudulent checking or loan accounts to my name. No idea why would someone open a checking account with someone else name. Also no idea how they got my info in the first place which concerns me.
When I finally managed to open my online account, I found the scammer physical address and phone number which I have removed (I guess the accounts just got merged or something?) . I did copy paste it in the the ic3 report to alert them on who did it.
Should I close this credit card account? Should I plan some petty revenge and mail random shit to the scammers house? Should I do something else beside reporting to the ic3 website?? - it's basically a branch of the FBI if you are wondering
Thanks for reading this far
Tldr: someone created a checking account to my name. I found out because I happened to open a credit card in that same bank. Checking account has been closed but I have the personal information (phone and address) of the scammer
Any advise?
Submitted December 04, 2020 at 09:36PM by luispe94 https://ift.tt/33K7leR
