AudreyE

bump for evening crowd

EastRidge No, I don't know the bank. They wouldn't tell me anything. It took forever to get the last 4 digits out of them. Toopooor I only have one home. I can't remember why I specified that it was in Florida. Maybe I was making the point that I don't live anywhere near China, because the tea company was insisting for awhile that a "friend" must be sending me the tea as a gift. If they're picking me up on China satellte, then maybe I really do need the tea that much. LOL!

Thank you so much, you guys! I did get my full credit reports, and I don't see anything yet, but, perhaps, nothing has been reported yet. I locked my reports down. I can't remember whether or not people on this board tend to think that's a good idea? I haven't seen any unusual charges go through my legitimate accounts, and I do watch them like a hawk, but I will go through again meticulously and look. I had never considered the prepaid card idea. People are getting so sophisticated and devious that it's very confusing.

I don't know whether or not its related, but the first order was placed in November, and my husband's VISA card was also breached around that time. The thief was using my husband's card number, my email address and my son's birth date. He or she put through a bunch of $1 charges, which we caught immediately. We cancelled the card and haven't had problems since. I confirmed that the card being used for the tea orders is in MY name.

The deal with the tea is that they charge you $4.95 for shipping and then send you a 60 day supply. If you don't cancel within 2 weeks, they charge you for the 60 day supply and then place you on a re-occuring shipment list. I cancelled the order and reported the fraud on both occasions... and I also received the 60 day supply on both occasions. I understand the strategy of a potential identity thief putting through small charges and waiting to see whether you notice. What I don't understand is why this person is allowing the receipts and product to be sent to me, because... yeah, I'd pretty much notice that, if nothing else. Also, I am stumped that there is no evidence of this card at any of the bureaus yet.

PS I know the card is a VISA and I have the last 4 digits, but that's all the info the tea company will give me (aside from the buyer's IP).

Hello, I haven't been here in several months, but I am hoping someone may have a clue about this situation: Someone with a China IP has placed an order for weight loss tea in my name twice in the past 2 months. The are using my name, email address, and home address. The order receipts are being sent to my email address. The orders are being sent to my home in Florida. The orders are being placed on a credit card - in my name - that I do not recognize. I can find no evidence of this card in my credit files. I have not received any alerts about new accounts or inquiries I do not recognize. Does this make sense to anyone? What is the person trying to accomplish? Do they really think I need to lose some weight? (LOL) Is it possible they are using my name, but not my social security number? Why, oh, why, are they sending the receipts and product to me? How does that help them? Most importantly: what do I do? Thanks so much! Audrey

Thank you. That's what I'd hoped. No, the old cards don't have fees, and they're dropping their rates like fleas, since I gave them the brush-off. I kinda expected Penfed would give me the pyrimiding response, but I wanted to take a shot at the low BT offer. Audrey

I've opened a few new cards over the last two months, and I transferred balances from stink cards. I know I'm not supposed to close these old accounts, but that leaves me Egyptian. Will this become less important, now that I'm sitting back to let these new accounts age (and be paid off)? Thanks!

This is the offer I got in my Inbox this morning. Pretty tempting, huh? Get charged 20-30% on your college tuition, and you just might get a couple $25 Amazon gift cards.

This was my first attempt with the CRAs. I used a Jack Attack. I listed every mundane little detail that was even remotely incorrect. My TLs were charged off in early 2003, and I think they had trouble finding documentation on many of them. WFNB told me straight-up that they had no record of me remaining. Audrey

Great readin', Hege. Seems a little optimistic about the motives for frugality, though. I think it's 99% about the pocketbook. I was broke and shopped at thrift stores in my 20s. It was extremely common, even among kids who could afford more. One thing is 100% though: swing dance lessons are the answer.

I think they're very good letters.

Are you still breathing? I would have passed out!

TU removed 6 of my 7 negative TLs, and it *looks* like they are reporting the 7th as positive. I am floored. I've never gotten anywhere disputing before.