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How does my mom who doesn't reside in a CP state deal with fraudulent credit opened by my deceased dad?
Wiki User
∙ 14y ago
Just to provide some history as to how this all occurred. My mom is from Another Country, her English isn't that good (speaking or writing) and my dad who is American was the major bread earner in the household. He made all of the money, paid all of the bills, and opened multiple lines of credit in her name without her knowledge.
They were living in NC for the majority before he passed away. She found out about the credit cards after having her credit report run when she was trying to get AER for retired military widows. Her credit report was 30 pages long and she really had no idea.
I had to go through and contact each creditor, wrote letters to each one and also to the credit bureaus. Not to mention, my dad's other daughter maxed out one of the credit cards that was in my mom's name. My mom had to file a police report. Now it's been a year and three months later and she's had to retain another attorney.
I'm still helping her to fight these charges as she never used any of the cards and none of the creditors have provided her with any type of validation on how the accounts were opened. Not to mention the largest debt is Bank of America and was opened in 1973 and my mom and dad were not married until 1978. I have sent multiple correspondence to B.O.A. - police report, marriage license, death certificate, etc. Still nothing. Anyone have any experience in credit card fraud/identity theft? Especially being that N.C. is not a community property state?
Wiki User
∙ 14y ago
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What financial liability do you have if a credit card account was opened in your name and closed after you informed the card issuer that fraudulent information was used to open the account?
If you did not use the credit line then you are not responsible for any debt incurred due to the fraudulent act. If you did use the account then you are considered a co-conspirator and are legally liable for any charges made and penalties, fees assessed. Such incidents can be deemed criminal and/or civil issues.
Request to Cancel a Fraudulent Credit Card?
Get StartedThis letter is used to request the cancellation of a credit card account that was opened in your name by an identity thief without your consent.Note: You should contact the credit card company immediately and use this letter as a follow-up. However, if you choose not to call first, this letter can be used as a first contact with the company.
What should you do if someone you have never heard of sent long distance charges to your Verizon account and you believe it is a scam?
Contact Verizon and tell them you have noticed some unauthorized charges on your account. If they won't help you, first try to talk to a supervisor. If the supervisor won't help you, contact the credit-card company that you use to pay your Verizon bill and tell them about the fraudulent charges. Credit-card companies have numerous protections against fraudulent charges, so they should help you. Lastly, you may want to check your credit report (you can get free copies from annualcreditreport.com) to see whether anyone has opened fraudulent accounts in your name elsewhere.
If the Deceased did not have an estate what happens to his credit debt?
The reason and estate is opened is to pay all the debts off if possible. If the estate doesn't have the assets to do so, they distribute as best they can. If the court signs off on the distribution, the debts are ended.
Request to Cancel a Credit Card?
Get StartedThe purpose of this letter is to request the cancellation of a credit card. You may use this letter if you would like to minimize the number of credit card accounts you maintain and associated cards you carry to help reduce the possibility that an identity thief will discover and use one of your accounts fraudulently.Note: If a credit card account was opened in your name by an identity thief without your consent, use the document entitled Request to Cancel a Fraudulent Credit Card.
Is this possible to open a Letter of credit opened in one country and import doing in another country by using the same letter of credit?
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You cannot sue a dead person but you can file a claim against the deceased individual's estate. If no estate has been opened, you can petition the court to open an estate.
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An estate has to be opened for your deceased daughter. That check will be deposited into the estate account. You need to consult an attorney about an estate if you haven't do so already.
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Both has same meaning, opening letter of credit establishing letter of credit once letter of credit is opened, credit is established.
What was formed in Ireland February 7 1960 opened in Kilkeel 1968?
On the 7th of February 1960, the Irish League of Credit Unions was set up. In 1968 a Credit Union was opened in Kilkeel.
