I don't have a credit card with the numbers 5951?

Question

The credit card co. says I have a card with the numbers 5951 and I don't have a credit with those numbers.

Answer 1

Check with the FTC. Here is some infor for you. Lots of luck...Fair Credit Billing
Have you ever been billed for merchandise you returned or never received? Has your credit card company ever charged you twice for the same item or failed to credit a payment to your account? While frustrating, these errors can be corrected. It takes a little patience and knowledge of the dispute settlement procedures provided by the Fair Credit Billing Act (FCBA).
The law applies to "open end" credit accounts, such as credit cards, and revolving charge accounts - such as department store accounts. It does not cover installment contracts - loans or extensions of credit you repay on a fixed schedule. Consumers often buy cars, furniture and major appliances on an installment basis, and repay personal loans in installments as well.


What types of disputes are covered?
The FCBA settlement procedures apply only to disputes about "billing errors." For example:
unauthorized charges. Federal law limits your responsibility for unauthorized charges to $50;
charges that list the wrong date or amount;
charges for goods and services you didn't accept or weren't delivered as agreed;
math errors;
failure to post payments and other credits, such as returns;
failure to send bills to your current address - provided the creditor receives your change of address, in writing, at least 20 days before the billing period ends; and
charges for which you ask for an explanation or written proof of purchase along with a claimed error or request for clarification.
To take advantage of the law's consumer protections, you must:
write to the creditor at the address given for "billing inquiries," not the address for sending your payments, and include your name, address, account number and a description of the billing error.
send your letter so that it reaches the creditor within 60 days after the first bill containing the error was mailed to you.
Send your letter by certified mail, return receipt requested, so you have proof of what the creditor received. Include copies (not originals) of sales slips or other documents that support your position. Keep a copy of your dispute letter.

Answer 2

And what did the credit card company say when you told them it wasn't your card? Are they looking into identify theft or fraud?

Get a copy of your credit report (AnnualCreditReport.com) and look for any accounts that are not yours. You may need to file a police report and put a fraud alert on your credit report at all three bureaus.

Answer 3

How did they "say" it.

Phone call out of the blue? Never verify information for emails or phone calls. Tell them to send it in writting on company letterhead.

Or did you receive a bill? If you received a bill it looks like someone has stolen your identity.

Good luck

Answer 4

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