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Message
Possible identity fraud?
Posted on 1/9/22 at 3:58 pm
Posted on 1/9/22 at 3:58 pm
I got a letter from Synchrony Bank rejecting my application for a PayPal credit account. I have never applied for PayPal credit and I have never had a banking relationship with Synchrony. I called them and they had no record of any application, but somebody sent me an official looking letter. It doesn't seem to be a phishing attempt because it doesn't ask me to do anything or contact anybody. Their only suggestion was to check my credit report.
Anybody have this happen or have an idea what's up with this? I googled and found several people who got similar letters, but none of them had a resolution.
Anybody have this happen or have an idea what's up with this? I googled and found several people who got similar letters, but none of them had a resolution.
Posted on 1/9/22 at 7:24 pm to Jim Rockford
I got letters from Synchrony Bank in Feb. 2019 saying thank you for applying for a Sam’s credit card and thank you for applying for a Wal-Mart card, I had not applied for either. I called and their information showed I had applied, was approved and the cards were in the mail.
Our mail had been stolen from our mailbox and the people who stole it had applied for cards with Synchrony Bank, Capitol One, Bank of America and they’d done it in less than 5 days time.
I’d recommend you call one or all 3 of the credit bureaus, Equifax, Experian or TransUnion, tell them you suspect you may be a victim of credit fraud. They can look at all your credit history and will be able to tell you if any credit has been issued recently in your name.
I ended up having them lock my credit because someone had actually stolen our tax W-2’s and other information. We were able to stop the cards that were applied for in our names and having the bureaus lock your credit prevents anyone but you from being able to apply for credit using your SS number and information. They will issue you a Personal Identification number and when you need to apply for credit, you call them and have your credit history unlocked for 2-3 days so the credit you are applying for can be approved. Mine will never be unlocked again and after the nightmare we went through, I recommend everyone consider locking their credit,
Our mail had been stolen from our mailbox and the people who stole it had applied for cards with Synchrony Bank, Capitol One, Bank of America and they’d done it in less than 5 days time.
I’d recommend you call one or all 3 of the credit bureaus, Equifax, Experian or TransUnion, tell them you suspect you may be a victim of credit fraud. They can look at all your credit history and will be able to tell you if any credit has been issued recently in your name.
I ended up having them lock my credit because someone had actually stolen our tax W-2’s and other information. We were able to stop the cards that were applied for in our names and having the bureaus lock your credit prevents anyone but you from being able to apply for credit using your SS number and information. They will issue you a Personal Identification number and when you need to apply for credit, you call them and have your credit history unlocked for 2-3 days so the credit you are applying for can be approved. Mine will never be unlocked again and after the nightmare we went through, I recommend everyone consider locking their credit,
Posted on 1/9/22 at 7:42 pm to HighlyFavoredTiger
Just checked my credit reports and they look fine. No unusual inquiries. Very mysterious.
Posted on 1/9/22 at 7:49 pm to Jim Rockford
Yeah, mysterious enough to make you wonder what’s up, but there is so much fake stuff and information phishing scams that it could be anything.
After actually having my personal information stolen and having someone try to rip off my name and credit history, I don’t take any chances anymore, I keep it locked and still check with the credit bureaus once a year. That was the scariest, worst financial nightmare I’d ever dealt with and the thought of having everything you have wiped out 2 years into retirement was frightening.
After actually having my personal information stolen and having someone try to rip off my name and credit history, I don’t take any chances anymore, I keep it locked and still check with the credit bureaus once a year. That was the scariest, worst financial nightmare I’d ever dealt with and the thought of having everything you have wiped out 2 years into retirement was frightening.
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