Someone is trying to steal my credit.

Received a letter from Credit One Bank today telling me the $435.68 payment on my credit card wouldn’t be accepted until I provided them with a letter from the bank the check was issued from on official letterhead stating that it was an authorized payment and with all this additional information to prove it was legit and in the meantime my account with Credit One was suspended.

Just one problem: I’d never heard of Credit One Bank until I got the letter today and I have never applied for a credit card from them. So, I spent the next hour on the phone with an “Account Specialist” who filed a report asking for the account to be investigated for fraud.

Turns out the account was opened on April 14th, which puts it around the same time as another attempt at opening a card with Capital One happened. That was only foiled because they used my old address in Canton instead of my current address and Capital One called to inquire about the discrepancy. I suppose I should take some comfort in that whoever this asshole opening accounts in my name is they’re at least trying to make payments on them with fraudulent checks? I’m also somewhat amused/annoyed that the amount of verification required for reactivating my “temporarily” suspended account is so much more than what is required to open the account in the first place.

Sneaky hacker graphic of Identity Theft by CafeCredit

I already knew I was part of the huge data breach of Equifax back in 2017 and I was wondering how long it would be before someone finally tried to make use of my data. I spent quite a bit more time today getting my free credit report which verifies the Credit One account having been opened and filing a dispute of it with both TransUnion and Experian. Fortunately, it doesn’t appear that any other credit cards have been successfully opened under my name. I’ve already put a freeze on my credit with Equifax, but still need to do so with the other two.

If it’s been awhile since you’ve looked at your credit report then now might be a good time to do so. You can check all three reporting agencies at once through Annual Credit Report.com which is run by the Consumer Financial Protection Bureau. You are entitled by law to one free credit report from each of the companies every 12 months. If you need to file a dispute you can do so online through their respective websites. You can also insure information about you is up to date. TransUnion, for example, didn’t have my current address. This is especially important if, like me, you are a victim of the Equifax breach.

Asshats steal woman’s credit card info and then sends her “thank you” flowers.

Pic of troll face.

u mad?

Imagine this: Some asshat gets hold of your credit card information and racks up a bunch of fraudulent charges. Then, after the bank calls to tell you that you’ve been victimized, there’s a knock on the door with a gift from the asshat:

According to the woman, Bank of America had called her to notify her that her card had automatically been canceled because of suspicious account activity. The bank told her that about $2,400 had been charged.

However, the woman added that the thieves had arranged for flowers to be delivered to her home address. The woman said the flowers contained a card that said, “thnx for ur money.”

via Narragansett Police Log: March 14 and 15, 2011 – Narragansett, RI Patch.

Was that really necessary? Isn’t it enough that you’ve already caused her some grief and hassle and possibly damaged her credit rating? Couldn’t you have withheld the temptation to taunt the poor lady? I mean, you have to be a bit of a bastard to steal someone’s credit card info to begin with, but this takes it to a whole new level of dickishness.

Watch out for the Scratch Card Scam.

I’ve not seen this one before, but I’ve heard of it. Scammers set up a booth in a local mall that purports to be selling chances at winning fabulous prizes while raising money for a charity, but what they’re really selling are tickets to the poor house. Check it:

As always it’s pays to be aware of the scams you might come across.

Via Geeks are Sexy.