Jason asked:


I was contacted by Bank of Omaha telling me that my credit card was overdue and 3 months late, which I do not have a card through them. I then spoke with 2 supervisors that told me to file a police report, which I have done. How long does the report usually take? The exgrilfriend in question has a very troubled life, dated her for pity, originally moved in with her to help with bills, money, etc. She apparently has a copy of my DD-214 military discharge papers, which has my social on it. She was in jail before for a Felony – Grand Larceny. Will the police report charge her with identity theft or fraud or do I have to go to court to pursue that? (WV it’s a felony crime) I think that jail would be the best place for her right now. The credit card company confirmed that there was an authorized buyer listed on the account, my ex.

What steps do I need to take now to get this completely resolved? I have contacted the credit card company and the police. I have checked my credit report and nothing has shown up so far.
(thank you in advance)

phoxee2003 asked:


If you throw these solicitations away without shredding them, you open yourself to identity theft. Why should the banks be allowed to place your financial safety in jeopardy every day with this insane influx of junk mail? I think this should be made illegal. Anybody agree?

If you have been keeping up on the latest news, it will come as no surprise to you that methods to prevent identity theft are being countered by clever thieves as quickly as the public is notified of them. You need to be aware that you are constantly a possible victim for identity thieves, but that does not mean you need to be an easy target.

The most common place that identity theft occurs is with credit cards. Think about it for a moment – if your purse or wallet was stolen, do you know your account numbers and what number to call for each of those credit cards to report a stolen card? Unfortunately, if you are like most people, you can find out but the information is not readily available to you. This is particularly true if you are out of town and your credit card statements are filed away back home.

The problem is that you cannot wait for a few days or a week to report your card stolen. There have been cases of people doing just that, and the credit card companies had a difficult time even believing them, since it is unthinkable that someone would wait several days to report a stolen credit card.

As a case in point, some friends of mine were vacationing out of the country, and while they were having lunch, the woman’s purse was very quietly and expertly stolen. She realized it within minutes but by then the thief was long gone. Thankfully, her husband who was a seasoned traveler, had a list of the credit card numbers and the phone numbers to call, which he always put in the hotel safe along with their passports whenever he traveled.

They got back to the hotel and immediately started calling the credit card companies to report the credit cards as stolen. This was occurring less than a half hour since the theft occurred. Almost all of the credit card companies had already seen transactions happening on the stolen cards! Less than 30 minutes!

If you are thinking to yourself that doing what this couple did was just too much trouble, think about what would happen if you were a victim of identity theft and did not know where to call, even delayed the call for a few hours or days? As the numerous victims of identity theft can attest to, this situation can take many months and even years to straighten out, as well as countless hours of your personal time.

In addition to being victimized, some people are using this as an excuse to get out of paying a credit card statement. They claim identity theft when no such thing has occurred, thinking the credit card company will just write off the debt. No, it is not quite that easy, and credit card companies have been very alert about this, although much to the detriment of people who really are a victim.

You should also check your credit report often, at least once a year if not more often. If you see accounts on there that you do not recognize, file a dispute immediately, since this is one of the first places you will see evidence of this theft, and reporting it quickly will help prevent identity theft.

By: Jon Arnold

About the Author:

amfam asked:

American Family Insurance Identity Theft Consumer Information Series – How fast can you lose your identity? In part one of our three-part video series on identity theft, see just how fast and easy it is for someone to steal your identity.

Haydini asked:


I have a friend who went on a **** site. A membership was 35, so he chose to do that and made a fake credit card name and number, and it came up with a page for a second about something that it was declined and canceled and identity theft. Will he go to jail???

Credit card identity theft can be a very costly problem. In today’s world of increasing credit card usage, it is no longer a rare instance where a criminal may be able to make use of your credit card for his own gain. He does not need to have your “plastic” in order to commit such a crime. All he needs will be your number and your personal information. Such a crime has been known as identity theft.

Credit card identity theft can happen in a variety of ways. Almost everyone using a credit card can be an unwilling victim. With all business and financial transactions done through computers and online means, it has made information very valuable as well as very vulnerable to theft. Your personal information has become a very valuable asset.

Anyone who can get hole of it can use it to their advantage at your very expense. Identity theft is basically the act of using your personal information without your knowledge to commit fraud or other crimes. On credit card identity theft, it could mean that such criminals can use your account for their own purchases.

How can such crime happen to someone like you? If you use your credit card on your regular purchases, there are a lot of chances that criminal can get hole of your credit and personal records. If you handout your credit card to servers at restaurants, you might be making yourself vulnerable to identity theft. If you sign your credit cards, criminals may be able to make use of your signature to commit a variety of crimes under your name.

Your personal information should be on your own safeguard because a lot of crimes can be committed using your own records. It can be as easy as calling your own credit card issuer to change your billing address once they get hole of your credit card information. The impostor can then run charges on your account without you even knowing it because your bills are being sent to a different address.

With your stolen credit information in the wrong hands, impostors may also be able to open new credit card accounts in your own name. When using these credit cards and foot the bill in your name, such delinquencies will be reported on your credit report.

This will make it harder for you to upgrade or make effective use of your own credit account because of your worsening credit record without you even knowing it. It can even go as far as using your name to the police during an arrest. If they do not appear in court to answer the charges, a warrant of arrest can be issued on your name and sent to your address.

Identity theft can be a very disturbing and costly problem. It is all the more important of trying to safeguard your credit information from getting into the wrong hands. You must try not to give your personal information to anybody without checking out on them. Make sure that you trust your personal records only to people and institutions that you can trust. Take the necessary precautions on making sure that you still have control of your credit accounts.

Always be aware of your credit reports and see to it that you are aware of anything out of the ordinary that may come up on your credit records such as purchases that you haven’t made yourself. Try to report any discrepancies immediately to the authorities. You can even have your account temporarily blocked in order to prevent further losses.

Do not forget to report it to the fraud agencies in your area so that everything can be done to apprehend and arrest the offenders as early as possible. Remember, the way you give out your personal information can have its corresponding consequences. Always be careful and be on the alert before you ever regret what you might have done.

By: Chet Holcomb

About the Author:

sugar_n_spice asked:


I used to work for a company that let prisoners on work release,take credit card numbers over the phone!!! The customers had no way of knowing who was getting their information.I got out of that job as soon as i saw what was happening. I was working for a sub-contractor selling direct-tv,and dish network.

Heidi asked:


When I received my credit card bill there was $964 worth of online charges that I had not made. Nedless to say I have suspended the card, but was wondering if there is a way to find the address of where the items that this person purchased were sent. Since this takes away from my christmas present money….I’d like to send whoever it is a nice card . Let me know if you know anything about identity theft, and the process of tracking them down or if it’s even a possibility. If it makes a difference it was a Khols card. Please help!
can the police find an address to prosecute the people whose address it was sent to? Or because it was over the internet is it harder to do so?

PCIsecurityGUY asked:

HUGE credit card skimming ring in New York. All the more reason to have a Pay-at-the-Table terminal