mother stole my identity, can i dispute it with the company?

Question

a while back my mother applied for a special credit card in my name and i didn't know anything about it until the card came in the mail. i called customer service to say i had no idea what this card was and had never even heard of them and i wanted the account closed. when i called my mom outraged to tell her what happened it turns out she's the one who got the card in my name. I'm not sure how but the account is still open and maxed plus delinquint fees. i have to accept some responsibility for it because i have made a few payments on the bill but don't feel as though i should have to pay all of it since i did call and state clearly that i didn't know what it was and wanted my account closed. i've asked her for the money to pay it and she just refuses to give it to me....can i dispute some of the bill amount with the company since i did close it once before and somehow it remained open?

Answer 1

you should call, request to speak with a supervisor, and ask them to make it to where the account can be switched over from your info to your mothers' (meaning the account be put in her name, ssn, address, etc). That way the bill could be mailed to her and the deliquency can be on her credit. As long as the company has it documented that you didn't open the account, they should have no problem doing that, nor should they have a problem submitting a reage, meaning to have the deliquency cleared from your credit report..

The only way you could still have an investigation is if you're willing to press charges against your mom/file a police report. If not, do what I mentioned above.

Answer 2

my mother in law stole my husbands identity. Once we figured out who stole his identity, and talked to the police. My husband called the credit card company and told them his mother stole his identity. She reopened the card after my husband had closed it. He gave the company his mothers info and they called her and spoke with her. She was told to pay the bill. She did pay the bill, if she didn't pay the bill, she would have been in trouble with the credit card company. She is the one that did the wrong thing. By paying the bill you did as well. Needless to say we do not talk to his mother anymore because we can no longer trust her. She didn't just open one credit card though she ended up opening 12. It is hard but you have to do what is best for you because your mother is looking out for herself and not you.

Answer 3

Since it is in your name, the creditor is legally obligated to prove that you applied for the card. Request a copy of the application, they are Federally required to provide it to you. Once you have that document, you have proof that the card is not yours, because you did not apply for it, they are at that point proven guilty of issuing a card they should not have & therefore they, not you, are responsible for the money. Plus they, at their expense, must undo any damage to your credit. They are several Federal Agengies that will assist you, should the creditor try to push it back on you.

Answer 4

You can dispute it so long as it wasn't more than 6 months ago but your mom may be charged criminally by the credit card company

Answer 5

In order to fix this problem, you're going to have to turn Mommy in to the authorities, and it sounds as if she deserves it.

Call the credit card issuer and inform them that the card was fraudulently applied for, and provide the name and address of the person who did so (that would be Mommy). Yes, Mom will be prosecuted, and she deserves it for wrecking your credit.

Answer 6

call the cops. get a police report. call or mail the credit card company to dispute.

Answer 7

Unfortunately, phone calls are useless. Unless your request that the account be closed was made in writing and sent via certified mail, the lender will claim no knowledge of the request.