Okay ... I'm a little concerned ...

[DabsandTroy]

*I am not sure if this is in the right area (has to do with bank account, not credit) ... so please move if you think it should be somewhere else. I did a search, but found nothing on the subject.*

 

Earlier this week, I have a message on my phone saying to call Sarah at Capital One and left an 888#. I tried to call, but they were closed. Figured it was a scheme to try to get information regarding a *very* old credit card debt and didnt call back again.

 

So, today I get home from work and in the mail is a letter from Capital One Direct Banking. The starting line is "I'd like to welcome you and thank you for choosing Capital One Direct Banking for your savings needs." Your online account number is ..... and was opened on 7/20/2009.

 

I did not contact them ... and havent opened an account with them (although I obviously have one now!)

 

Has anyone else experienced this? I would call now, but yet again, I've just gotten home and they are closed.

[radi8]

Might consider pulling a credit report, looking for inquiries you didnt' authorize.

[Kevin20]

*I am not sure if this is in the right area (has to do with bank account, not credit) ... so please move if you think it should be somewhere else. I did a search, but found nothing on the subject.*

 

Earlier this week, I have a message on my phone saying to call Sarah at Capital One and left an 888#. I tried to call, but they were closed. Figured it was a scheme to try to get information regarding a *very* old credit card debt and didnt call back again.

 

So, today I get home from work and in the mail is a letter from Capital One Direct Banking. The starting line is "I'd like to welcome you and thank you for choosing Capital One Direct Banking for your savings needs." Your online account number is ..... and was opened on 7/20/2009.

 

I did not contact them ... and havent opened an account with them (although I obviously have one now!)

 

Has anyone else experienced this? I would call now, but yet again, I've just gotten home and they are closed.

 

Well yeah you're right to be concerned, sounds like ID theft.

[DabsandTroy]

I called their 888# this morning (verified the number online as well as on the letter before calling). The fraud department isnt open on the weekend, but they had already flagged the account.

 

It's just weird that I already have fraud alerts with all CRAs. So, why would someone use my information to try to open a bank account? The scary fact is that all of the information was listed correctly except my DOB.

[Kevin20]

I would suppose someone had your information independent of your credit report and didn't know about your fraud alerts. Don't know why they'd open a savings account -- unless they're surreptitiously going to help you save for retirement. But maybe that's part of a fraudster's MO. Maybe it's money laundering or something.

 

I'm sure it wouldn't be impossible to get your sensitive information, especially if they've picked your mail. I shred everything, but my dyslexic mailman routinely misdelivers mail, so no telling what my neighbors have received of mine. Which is disturbing, because I in turn have received others' mail and it seems to be surprisingly common that my apartment neighbors get summonses from the Sheriff.

 

I've moved now to electronic statements whenever I can think of it, hoping to cut the USPS out of the loop.

[DabsandTroy]

Maybe it's money laundering or something.

This thought has crossed my mind ...

 

 

I'm sure it wouldn't be impossible to get your sensitive information, especially if they've picked your mail. I shred everything, but my dyslexic mailman routinely misdelivers mail, so no telling what my neighbors have received of mine. Which is disturbing, because I in turn have received others' mail and it seems to be surprisingly common that my apartment neighbors get summonses from the Sheriff.

Shredder is right next to my desk ... and if your info box didnt say Texas, I would really wonder if you werent my neighbor!

[GEORGE]

I called their 888# this morning (verified the number online as well as on the letter before calling). The fraud department isnt open on the weekend, but they had already flagged the account.

 

It's just weird that I already have fraud alerts with all CRAs. So, why would someone use my information to try to open a bank account? The scary fact is that all of the information was listed correctly except my DOB.

F/A's are not the best thing since sliced bread

 

(FREEZE works better)

 

...assuming you are not going to apply for anything in the near future

[DabsandTroy]

F/A's are not the best thing since sliced bread

 

(FREEZE works better)

 

...assuming you are not going to apply for anything in the near future

 

Thanks George. I think you hit the nail on the head. We are about to pay off all of our cards. So, I think a freeze is in order.

[AnonymouslyIndebted]

*I am not sure if this is in the right area (has to do with bank account, not credit) ... so please move if you think it should be somewhere else. I did a search, but found nothing on the subject.*

 

Earlier this week, I have a message on my phone saying to call Sarah at Capital One and left an 888#. I tried to call, but they were closed. Figured it was a scheme to try to get information regarding a *very* old credit card debt and didnt call back again.

 

So, today I get home from work and in the mail is a letter from Capital One Direct Banking. The starting line is "I'd like to welcome you and thank you for choosing Capital One Direct Banking for your savings needs." Your online account number is ..... and was opened on 7/20/2009.

 

I did not contact them ... and havent opened an account with them (although I obviously have one now!)

 

Has anyone else experienced this? I would call now, but yet again, I've just gotten home and they are closed.

 

If you don't remember opening an account with them, it probably is Identity Theft. You should contact the bank again to confirm.

 

Some fraudsters would use these accounts for money laundering or other forms like bank transfers etc.