... 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!