They are under no legal obligation to do anything until you do #3. This triggers their 30 day window to comply with your req. You also need to ask for copies of the application and all transaction and business related documents regarding this account. With a copy of your DL ,ID theft Affidavit, Police report and request that no information regarding the tradeline be reported to the credit bureaus. $26 NZ is like about $17 US.Ģ) fraud alert and all three credit reportsģ) send a request to the address listed for Victoria Secret on your credit report( that's their reporting department) She didn't back down with her stupidity until I told her my own father was a lawyer.Īll this cost me God knows how much in legal fees per minute as my lawyer dealt with the fact that the sale couldn't go through until the internet company informed him the $26 debt had actually been paid. I said this is MY LAWYER I'm authorizing you to tell him. (An act meant to protect people from having their information shared.) Then because of the New Zealand Privacy Act this IDIOT at the internet company said she could see on her computer that I had actually paid them years ago but she was going to refuse to tell MY LAWYER that the money had actually been paid because she was claiming she couldn't release the information to my lawyer due to the Privacy Act. The internet company had noted that they had received the payment but never informed the debt collector they had so it was still on their records. In fact I HAD actually paid the internet company the $26 but it had gone to a debt collector because I paid it late. When I went to buy my first home I was initially denied clearance because of a supposed outstanding payment of $26 to an internet company many years prior. Hey, it's technically not over either, so I'll reference all of your comments again if the worse does happen! This resolution was very anti-climatic, but I'm relieved that I didn't have to put up a fight. I highly appreciate all of your help and advice about this! It was all very interesting and useful to read through. The account security agent apologized for the confusion, told me I didn't need to worry about the amount statement for now, and said that they will call if they need anything more from me. My case was closed, the letter was autosent, and then a few days later my case was reopened because they received the additional information. Well, turns out, VS sent that letter prematurely. However, I got all my paperwork in order, got all my reports filed, put on my battle paint, and I went into the call ready for war! However, yesterday I received a letter from Victoria's Secret saying that they found no basis for my fraud claim and they will continue to send statements.ĭo they have any power over me, since every other credit institution agreed that this account was fraud? Victoria's Secret was the first company I contacted about this, and they told me that they had flagged the account for fraud and even helped inform me about the first steps to take to report this identity theft.ĮDIT: Hey everybody, I'm sorry for the delay of update. In the end, all 3 credit bureaus agreed with me that this card was opened fraudulently and the account was deleted from my credit records. I went the whole 9 yards contacting everyone I was told to contact to get this reported for fraud. Here, please treat others with respect, stay on-topic, and avoid self-promotion.Īlways do your own research before acting on any information or advice that you read on Reddit.īack in April, a Victoria's Secret credit card was opened fraudulently in my name, and the theft made a $182 purchase on the card. Get your financial house in order, learn how to better manage your money, and invest for your future. Banking Megathread: FDIC, NCUA, and your cash.Private communication is not safe on Reddit. Scam alert: Ignore any private messages or chat requests.
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