I am the victim of identity theft

[speedsix]

...I've had emails from Chase saying they have closed my account until I call and verify my personal info...which is odd since I've never HAD a Chase account...also several different scammy UPS emails...these people are working harder than if they had a regular job...I'd like to see them all in the pokey...surprised to see Tx has some tough Phishing laws...not enforced by phish and wildlife, either...

[b322da]

I almost got bit by credit card fraud.

I did get bit. Somebody stole the dear wife's credit card and uses it. So far I don't intend to report it stolen. The thief spends less than the dear wife did.

Elmo

[psijac]

I almost got bit by credit card fraud.

I did get bit. Somebody stole the dear wife's credit card and uses it. So far I don't intend to report it stolen. The thief spends less than the dear wife did.

Elmo

LMAO

[Pug]

"Two days later I got a fraud alert from LIfelock"
I have been considering using Lifelock. How much help have they been in all of this? Arn't they supposed to be the best at protecting you aganist ID Theft?

All LifeLock does for the fee you pay is post a fraud alert on your credit, notify you in the case of an attempt and bill you for the service. You can file these alerts yourself (FCRA gives consumers the right to place fraud alerts themselves for free), ad--as suggested above--put a password on your bank account(s) and "call-to-confirm" on major credit cards.

Furthermore, fraud alerts are no guarantee against ID theft (since, as illustrated above, some lenders don’t see them and let crooks open accounts in other people’s names anyway). LifeLock CEO Todd Davis told Consumer Reports (as part of their review of credit fraud services like LifeLock), "We know this isn’t 100 percent bulletproof. You can still be a victim."

The natural question that readily comes to mind is, "Then I'm paying you for what???"

[RPB]

got my replacement card with new account number today, called and activated it and she offered me identity theft insurance.
I declined, 1) I can't imagine anyone wanting to be me 2) The theft of my card info didn't cost me anything. ... However, if the credit card company ends up being out any money, I suggested they buy some and pay for it, she declined too, so we're all good.

[RPB]

...I've had emails from Chase saying they have closed my account until I call and verify my personal info...which is odd since I've never HAD a Chase account...also several different scammy UPS emails...these people are working harder than if they had a regular job...I'd like to see them all in the pokey...surprised to see Tx has some tough Phishing laws...not enforced by phish and wildlife, either...

Note on E-mails

If using an e-mail program like Outlook/msn livemail etc, right click/properties/Details/Message source
Usually you can see it's a phishing scheme when you know what to look for.

Domain name looks odd or
look for text saying ... click here to log in < MY url with fake text showing > like http://www.YourBank.com and then you go to a fake site, enter account number and password and ...... People do that phishing for Hotmail/Gmail accounts, Bank Accounts everything.

(Don't worry, clicking that link in example above really takes you to http://www.texaschlforum.com" onclick="window.open(this.href);return false;)

In an E-mail Message Source it will be in HTML code a href usually like here http://www.w3schools.com/tags/att_a_href.asp" onclick="window.open(this.href);return false; with the text as a normal looking link to what you think your bank's link is ... but the actual href link DESTINATION is their own website which "looks" like your bank's


I always look at properties/Details/Message source before clicking anything in an e-mail.
I used to report every one .... now I just delete without opening.


Also, you can go to a DNS lookup tool, for example dnsstuff.com and see if your bank really has that IP address/domain name (end of e-mail address in source)