How can my family resolve our Identity theft? It's been a year now already and nothing is sloved.?

Question

My family & I are victim of Identity theft. They got hold of our check books, opened credit cards, stole drivers licence, used our social, knows our date of birth. Many credit card accounts were opened even under a dead family members name. We keep sending death certificates to credit card companies. Our accounts went into collection. We have contacted the police, postal inspector & FBI. They have many cases so they are unable to resolve our case. The bank took around 10,000 dollars from our account the crook wrote & is refusing to pay it back. We have informed all credit buero's, sent letters to attorney general, comptroller of the currencies and every other place you can imagine but no one is on our side. The crooks even went abroad using our identity. They went to jewelry stores, electronic stores, ate at restaurents, took even licence tabs. We had excellent credit but now it's ruined. If we hire a lawer the fees will too much to handle. What other options do we have? Any ideas?

Answer 1

Firstly, many states have made it to where you can put a complete hold on your credit. I hope that you have already done so, as it will make it impossible for anyone to open a line of credit or anything else using the SS# that you put the hold on. The address below should let you know about the laws in your particular state:

http://www.consumersunion.org/campaigns//learn_more/003484indiv.html

Honestly I am not certain whether you will still be able to open new bank accounts if you put a hold on your credit. Certainly you should get any money you still have out of any of the banks you have it in, and start fresh, before putting a hold on your credit.

Be sure that you have followed the advice on the FTC website, which I have linked below:

http://www.ftc.gov/bcp/edu/microsites/idtheft//



It may end up being cost-efficient to hire a lawyer if you can recover more from the bank than you pay the lawyer, or have the lawyer be paid based on a percentage of the money that you can recover.

Also try writing your congressman/Senator, as this is a hot issue at the moment, and they may see the potential to get their picture out their as a champion of identity theft victims. Try to connect with others who have been victims, and you may be able to get a movement of sorts going.

I can't think of much other advice, but the main thing is, do your best to stop any more losses, and then move on to trying to recover.

Answer 2

Unfortunately this happens a lot. Rather than just notifying the credit burro, put a consumer statement on it, you can even say, before granting credit please call me at home and leave your home telephone number on there. it will help against it happening again. unfortunately, it takes time, and you still have a long way to go, but keep writing the CB to dispute the validity of all of the id thefts include copies of police reports and anything else you may have to prove your case, if you don't get answers with in 60 days, start sending the exact same letter every week. I had to do it for my fiance, and I only have one more left to get off but i was able to get the other 24 ID theft cases removed. GOOD LUCK!

Answer 3

As long as you have suffered a financial loss, the police have to do something about it. Keep after the police department. They are probably just having a hard time finding out who is doing this to you. As far as the bank goes, they need to have you fill out an affidavit form and you should get the $10,000 back. The person who stole my identity got over $2,000.00 out of my account but when I filled out the forms from the bank, I got all my money put back into my account.