Credit Card Company Charging For Card I never Applied For?

Question

I have been getting bills for a credit card I never applied for. The company is saying I owe them a lot of money. Now they are involving an attorney because I won't pay those bills.
Each time they write me a letter the total amount is lower then the letter before. They still claim that I took the card out and used it. Without going to court, how can I handle this?

Thanks for the answers. Should I contact them for proof of anything with my autograph on it?

Answer 1

Don't worry about their threats. Tell them to show you a paper that you signed asking for the card. It is illegal for a company just to send you a card.
Maybe it was someone with the same name as you. Either way, tell them to bring the Lawyers on. You're not paying.

Answer 2

This sounds like identity theft.

Unless you started contacting them as soon as you got that first bill, you may be hosed. Credit fraud needs to be reported as soon as possible.
At this point, you may benefit from finding a lawyer specializing in credit card fraud. You will want to make sure your credit rating doesn't get to bad too.

Answer 3

Possible identity theft...contact the police and have a report made about your suspicions..this should help in getting them off your back...also you may want to checkyour credit reports to see if there are inquiries for loans and stuff you have no knowledge of...and inform the credit companies so theres a note about possible identity theft.

Answer 4

Unless someone stole your identity, and even then, you are not responsible for these bills. However, it can take alot of work and worry on your part to get it straightened out. And in the mean time is can affect your credit rating....and then there will be the work and worry of getting THAT straightened out.