what would happen if i applied for a credit card and then someone else activates and uses iwithout my consent?

Question

someone else receives the card from the courier without my knowledge and without my consent and then he uses it, can i sue?

Answer 1

This is a criminal matter and needs to be filed with law enforcement. The crime is Identity Theft and you need to file charges with the police. The card issuer needs to be notified and will file the necessary complaints with the law for fraud and theft. The government can add charges for tampering with the mail if they stole mail addressed to you (the credit card). You can sue the criminal for defamation of character and ruining your credit history or any other reason you can think of.

Answer 2

That's ID theft/fraud. First, if you have documentation, call the local police and file a police report of the incident. Next, contact your local Credit Bureau and put a freeze on your credit because of ID theft. They will "red flag" your credit rating to protect it. You should also call the credit card company as soon as possible and report the theft. They will immediately close the account. If you don't do that, you may be held liable for charges. If anything goes to a collection agency, you have 30 days from the original notice to write a dispute letter. If you don't follow up, you will be held liable for the delinquent account.

Answer 3

If it happens, file a police report and notify the credit card company. They will launch their own investigation and decide whether or not, you will be liable for the charges. If you aren't, anything negative from your credit report will be removed.

As someone stated, you can sue anyone. Whether you win or not is a different story. But it would help your case if the police charged and convicted the person you suspected with the crime. That way once you file a lawsuit, you can prove that person was responsible.

Answer 4

There are two ways you can go about it. First, report the theft of the card and the fraudulent charges to the police, and then to your credit company. If you cooperate with their investigation you can't be held responsible for more than fifty dollars of the charges.

If you don't want to prosecute that person you can try collecting the evidence yourself and taking them to small claims court. However, you will be responsible for paying the bill in the meantime, and you may not collect for months or even years. Also, you may not win the case without the added evidence of the police report.

Answer 5

If card is stolen you are not responsible. Sue ?for what ? The moron that stole it in the first place probably hasn't got the sense God gave a goat and owns nothing you would want.'

Answer 6

including your spouse as a licensed consumer received't really impression your credit status. Nor will it help hers -- the regulations have replaced and qualified shoppers now no longer get the piggyback reward. see you later as you nonetheless pay the cardboard in complete each month and your spouse would not run up a huge stability, it will be completely fantastic.

Answer 7

You can't sue but you can file a fraud with the card issuance company. It is their responsibility to ensure that customers' interests are protected.

Answer 8

so in other words your question SHOULD read...

"I'm thinking about applying for a credit card in someone elses name... then i'm going to activate it and use it and hope i don't get caught. What kind of trouble can I get into when they catch me?"

Answer 9

call your credit card company and tell them. they will stop the credit card and you wont be charged. i dont think you can sue unless you know who used it.

Answer 10

Then your credit will go in the trash heap if they don't pay the bill.