[TheForge] reversal of fortunes in a blink of an eye

[CGRAF]

Keziah's Forge wrote:
> SO, let me get this straight.  Someone I have no connection with pretends to 
> be me, and has a credit card issued, i.e. opens an account  without my 
> knowing or signing for anything, applying for anything or agreeing to 
> anything or even knowing anything  about it.   He charges things to that 
> account/card himself, again without my ever even knowing about it or having 
> enything to do with it.  I never pay the bank anything, because I didn't 
> open the account or make the purchases.  The scumbag stole the card, i.e. 
> obtained it by a fraud on the bank, and did a bunch of other fraudulent 
> transactions that I had nothing to do with.  So the bank can't collect from 
> the scumbag.  So I am out the money ?
> 
> I don't think so.  I am out the trouble and cost of  proving I don't owe it, 
> maybe, when the bank tries to collect from me, or of pointing out that the 
> bank can't prove that I do  owe it because I never applied for or signed 
> anything, but I am not out the money.
> 

 From the banks side.
The dirty lowlife provided:
1. Your SS number
2 Birth date.
3. address
4 Maybe even your Mommas maiden name


They should, in any sort of decent world, be able to assume it is you.

Is your mailbox secure?
How many CC apps do you get a month?



Personally I'd love to see it made law that ALL credit cards be issued 
after a face to face application. That plus knowing that the interviews 
are being videotaped would eliminate almost 100% of the problem.

Mike Graf