Long story... in may "08 I applied for and recieved a credit card from capital one prior to moving 300 miles. I finalized my divorce in July and had my maiden name reinstated.in september I recieved a statement for a capital one account stating that my bill was past due by two months and over the limit. I was outraged since two days earlier I had checked my account online and everything was fine. I checked the account number to my surprise it didnt match my credit card number. I immediately called capital one to find out about this strange account. I told them i didnt open the account and it was fraudulent. Customer service transferred me to the fraud department and the only thing they could tell me about the account was that the address was the same city i had moved from and the charges were made in the surrounding cities in JUNE! I was shocked and I immediately knew who the culprit was: my ex mother in law. I filed all the appropriate forms with capital one, the police, the credit bureaus etc. I recieved a phone call from shannon in the fraud department who seemed happy to help with my case. I felt like everything was getting taken care of until... I recieved a call from shannon around the end of october. She informed me she had spoken with my ex mother in law who told her I was still recieving mail at her address (which I wasnt). From this information shannon deducted that I was the one that was lying and she said that because my story doesnt match my ex in laws that I was ultimately responsible for the account. I called the detective assigned to my case and he said it was a crime even if it was my own sister and we lived in the same household.in the past week i have recieved a past due statement, a warning about the overdue account and a collection notice. I know Im not responsible for this and I plan to get justice any way I can.
Arianne
Cape Coral, Florida
U.S.A.
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