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Posted: 4/11/2006 5:31:36 PM EDT
[Last Edit: 4/12/2006 3:52:24 AM EDT by Winston_Wolf]
... Like most of you, I get boat-loads of junk mail from the USPS daily. But times are different, these days I pay all my bills with authorized auto-pay, so I defer "reading" snail-mail for days sometimes.

... So today, I'm flipping through the usual stack of advertisement and crap and notice what looks to be an envelop with a legitimate credit-card billing format. Open her up, and I'll be damn! It is a legitimate credit card bill!

... A bill with all my statistical info. Notice that I was past due on a $78 balance. WTF? I don't even have a card by through this company in my wallet. Promptly call the 1-800 number provided to find out what's up. Proceed to grill "Saaheed" on how I got this card if I never authorized it. Asked for his name and to be put directly in touch with their fraud department - Now! No real answer except a company I was looking at for a mortgage refinance over a year ago "gave" it to me - I never even authorized its use!

... Didn't recognized the envelopes in the past, so they always got shredded with the rest of the junk mail. "Saaheed" finally divulges that although I had never made charges on the card, finance fees had accrued on the annual user fee - I'm livid by now.

... After my obviously elevated angst and protest, he said the company would cancel the "debt" and the card (Oh how sweet of them). I reminded him that I'd be checking TRW and Equifax to make certain he did. He became even more apologetic after that.

... Dayum, stay vigilant folks - Vultures are a Circling!

Link Posted: 4/11/2006 5:45:15 PM EDT
A guy I used to work with was part of a class-action suit against a company that did that. He and his wife just paid it because it was "official-looking".
Link Posted: 4/11/2006 5:47:14 PM EDT

Originally Posted By TravisM1:
A guy I used to work with was part of a class-action suit against a company that did that. He and his wife just paid it because it was "official-looking".



just another scam
Link Posted: 4/12/2006 3:53:53 AM EDT

Originally Posted By Napoleon_Tanerite:

Originally Posted By TravisM1:
A guy I used to work with was part of a class-action suit against a company that did that. He and his wife just paid it because it was "official-looking".



just another scam



... One that could cost an innocent and unsuspecting person his credit rating if not careful!
Link Posted: 4/12/2006 3:56:35 AM EDT
Happened to me too. CC companies are unscrupulous.
Link Posted: 4/12/2006 4:01:23 AM EDT
I got an offer in the mail for a credit card. Sometimes I just like to read the fine print. For this particular card, which would give you a $500 credit line, there were upfront annual fees, application fees, credit fees... You name it. All said and done, the fees were $422, leaving you with an open line of $78. The fees were not totaled up anywhere, I had to read it a couple of times to find them all.
Link Posted: 4/12/2006 4:07:20 AM EDT
They aren't quite as bad, but I almost got duped by a womens' magazine subscription like that. It was made to look like an invoice from a current subscription, but it was really trolling for new subscribers.
Link Posted: 4/12/2006 4:07:22 AM EDT
I use this service to help me keep tabs on this kind of nonsense.

https://www.freecreditprofile.com/

But you guys are right, the vultures are circling and getting more bold each day.

- CD
Link Posted: 4/12/2006 4:47:27 AM EDT
someday long after I'm dead, they will make it a crime punishable by DEATH to commit CC fraud/identity theft
Link Posted: 4/12/2006 5:04:30 AM EDT

Originally Posted By efpeter:
I got an offer in the mail for a credit card. Sometimes I just like to read the fine print. For this particular card, which would give you a $500 credit line, there were upfront annual fees, application fees, credit fees... You name it. All said and done, the fees were $422, leaving you with an open line of $78. The fees were not totaled up anywhere, I had to read it a couple of times to find them all.


That is ridiculous.
Link Posted: 4/12/2006 5:06:10 AM EDT
It happened to me too. Discover just sent me a card out of the blue. Fuckers.
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