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23tony

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  1. Seems it was the person who 'borrowed' the card was intercepting the mail and paying the bills, until things got out of hand. Of course, if they hadn't been doing that we would have found the issue sooner and already dealt with it. We should be getting some info from Citi today. Unfortunately we don't have a local branch to visit, but when she gets here we're calling to make sure the account is shut down and get info on the charges. So you know the name of the person who "borrowed" the card? That should really help clear this up. Yes we know who it is. Please refer to my e
  2. Seems it was the person who 'borrowed' the card was intercepting the mail and paying the bills, until things got out of hand. Of course, if they hadn't been doing that we would have found the issue sooner and already dealt with it. We should be getting some info from Citi today. Unfortunately we don't have a local branch to visit, but when she gets here we're calling to make sure the account is shut down and get info on the charges.
  3. No, it was the same card, just two recountings of the timeline. She never used the card and had never seen a bill for it, so she completely forgot it existed. We got a bit more information that seems to be piecing things together. It seems it's partly a family member, and partly something else. Someone 'borrowed' the card to buy gas, and it seems there may have been a skimmer at the gas station. (Not horribly unlikely given how common this has been in NC recently). So we know at least part of the story. Still need to get the info on the charges - it seems that's going to be the key to fixi
  4. Incredibly unlikely. So these last two replies are getting to the meat of things, I think. She got the first call Monday demanding payment of $17,000. She refused to answer any of their questions asking her to 'verify' her information. After dealing with that, she called us. My first thought was total agreement with you guys: it's a scam. To be sure everything was good, we pulled her credit reports and found an old OPEN account from Citi with a history of $0 balances until 4 months ago, and a CURRENT balance reporting over $17k. So the debt is at a minimum being report
  5. I can't say that I blame her for not talking to them on the phone, given the circumstances: 1) They called her. 2) She didn't even know about the account 3) They were asking her for her info, i.e. SSN, address, etc. and were unwilling to provide what info they had. 4) They would not discuss anything with here other than her paying the full amount 5) They never successfully 'transferred' her to the fraud department. (simple hang-ups instead) With that, we weren't sure if this was legitimate. I think you can see why. She didn't have any additional info to go on until we got the cred
  6. Thanks for the info about a Fraud Alert. I was not aware of that and we will get that taken care of right away. The card is (or at least should be) frozen at the moment, we will double-check on that and close the account if possible. @hegemony that is definitely a possibility. There are two people who might have done this by getting ahold of the card and using it without authorization. If that is the case, then someone will be going to jail.
  7. To answer the questions asked so far: All communication so far has been from them calling her. She has not called them. She is coming to visit tomorrow and is waiting until we're around before doing anything. She has refused to provide them with any information by phone (good for her). Those calling have been very aggressive and not helpful at all. We have pulled the credit reports. We were able to get two online. One (Equifax I think) reported unable to verify and we have to request by mail. Both that we DID get show this card as a valid and open account and show a history of balances
  8. My mother-in-law is facing a pretty serious issue with a Citi credit card. Some background first: Her husband died early this year (2017). He took care of all of the bills, credit cards, etc, so she didn't really know where to start. I helped her get all the information together and got her on track to continue paying all her active cards and other bills. She paid off all of her cards. We based this list off the bills that were being received in the mail. Suddenly, a couple days ago, she gets a call from Citi about a $17,000 credit card debt. She doesn't remember ever having this card, a
  9. No entry on my CR, just the usual technically-legal-but-still-annoying-harassment by the CA. I'm pretty sure they were calling for at least 2 months before any contact by mail but I'm pretty short with anyone who comes across like a collector on the phone so I can't be 100% certain. If I'm understanding right, unless they validate the debt properly, that's it, they can't bother me again without a violation. I'll get the verification about the student loans but it sounds like I'm done with this. Thanks again for the help!
  10. Bringing this one back up because I sent the DV almost a month ago, and have heard absolutely nothing from them since. Pretty sure it's a JDB trying to intimidate me into paying. So what I'm wondering is: at this point to I just let it go, since they haven't responded, or do I FOAD?
  11. That is a rather ... interesting ... image, but I get your point
  12. Asking for something to be deleted early is an exception to the "dispute only by mail" rule in my book. I don't have direct experience with TU to know whether that means you are truly locked out or it's something simpler. Have you tried with a different browser or device? Yes, that was the first thing I tried. 3 different browsers on 2 different computers, so whatever it is, it's on their end. I was thinking of trying CK instead. You can only do 1 at a time with them, and they don't have an option that really seems to match the situation though. Has anyone had any luck with
  13. Sorry - went back and looked at my original post and realized that I wasn't clear what I was trying to do. I have items due to fall off in 2-4 months and wanted to try to clear those off a bit early. That's it. And they are ONLY showing on TU. Already dropped from the other 2.
  14. Are you saying that you dispute for an early obsolete by mail? Because that's not what I've read elsewhere on this site. Not a regular dispute - JUST early obsoletes. Trying to drop these off a couple months before the 'scheduled' date. Everything I've read about that suggests disputing via the 'backdoor' and using online systems because they're more likely to just drop the item automatically.
  15. I logged in earlier today to TU to make a dispute. Closed it out because I had some things to deal with first, and when I came back to login this afternoon, I get the message "Error: 151- Your access to the TransUnion Online Investigation Services has expired." I just got my credit report on Friday. Has anyone else got this and successfully gotten around this? Or am I left with phone and/or mail to dispute? I really hate CRA's but I think TU has got to be the worst...
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