r/IdentityTheft

My mom put a phone on credit in my name and tanked my credit.

My mother bought a $1,300 iPhone 13 Pro Max on credit and transferred it into my name while I was homeless. Once the novelty of showing it off wore off and she realized she had actual payments to make, she just didn’t. Pretty on-brand for how she’s treated me overall.

It’s wrecked my credit, which is now making things like buying land way harder than it should be.

From what I understand, the only real way to dispute it is to file a police report against her. She’s the most controlling, difficult person I’ve ever dealt with, and she’s had a hold over people in her town and the surrounding area for years. Every time she’s been part of my life, things have gotten significantly worse. I do not want to interact with her in any way, if possible.

Right now I’m leaning toward just letting the debt run its course instead of going the police report route because in a town of 13,000 the (visibly) richest person here has too much reach.

Has anyone dealt with something like this? What actually worked for you?

the VA Is getting information a jail in regards to me but ive never went to prison why are they sending me a letter saying they are recieving treatment records and evidence from there. And what do I do from here . I called the facility and they said they basically can’t tell me anything. I’m not associated even with the state the prison is in. Is someone in jail and using my identity?

For years I’ve been receiving calls and texts for a “Jacob Garcia.” They’re all for various different BS, insurance, purchase confirmations, whatever. I do credit monitoring and all that so nothing is actually happening with my credit, it’s just my phone number. Today, I got a message from unifin debt collector and when I went to check it out, apparently this guy owes $6k on an auto loan. Why is this man using my phone number? Should I do something about it?

Hey guys. Warning. I got a call from 877 248 9549. The caller ID said Canada Trust. This isn’t the first time I got promotional calls from them so this seemed innocuous at first. They called promoting an accidental death insurance, so thought sure why not. They asked to confirm (by that I mean they said and I answered yes or no) my name, my DOB and if I was a Canadian resident. They asked if I wanted to add my husband to the insurance and I agree and I gave his name and DOB. They then transferred me to another agent who’ll do on-boarding and that agent first asked me to confirm my bank institution number and that’s when I thought, hold on? Aren’t they supposed to know this? So I immediately hung up. I called the number at the back of my card and they confirmed that the number that called me was fraudulent. They told me to set up a consumer fraud alert with Equifax and TransUnion… I feel like I’ve volunteered so much data on my husband and I and I’m not sure what to do to to add some more safe guards. Please help

Bonjour

Je fais appel à cette communauté pour trouver de potentielles aides juridiques sérieuses et des retours de votre part.

Pour la mise en contexte, j’étais en couple avec un mec horrible (abus de confiance, énormément de violence psychologique et manipulation, mais j’étais en grande détresse psychologique à l’époque et ne voyais pas tout ça, je voulais pas qu’il me quitte, je l’aimais lol).

Cet ex (ce f d p) a usurpé mon identité (on a habité ensemble chez son père pendant un an et après je le suivais partout quand il prenait des Airbnb jusqu’à ma fuite, car il était parti en Thaïlande et j’y suis restée même pas un mois et me suis enfuie à 5h du matin (une vraie série Netflix le truc qui m’est arrivé).

Je ne voulais pas aller en Thaïlande, bref c’est juste pour le contexte, mais il m’avait dit juste 3 mois, mais en fait il comptait rester gros lol. Donc me suis enfuie car il était devenu encore plus horrible à mon égard.

Enfin bref, je tente en grande partie de me reconstruire, j’ouvre enfin les yeux sur cette relation de presque 4 ans (j’ai à mes yeux gâché 4 ans de ma life avec un f d p).

Le truc c’est que je me suis prise un contrôle fiscal (moi qui fais genre 20k max par an de revenus avec des jobs alimentaires actuellement et qui essaye de monter ma boîte à côté), bref je suis pas du tout riche, loin de là, je peux même pas changer le pneu de ma Clio pour vous dire.

Et mon f d p d’ex a fait tourner bcp bcp d’argent sur mon nom mais en usurpant mon identité et le fisc fait l’aveugle (ce sont des mafieux tout autant que mon ex lol) et me dit que les comptes sont à mon nom et que (grosse blague) vu que j’ai pas fait de procuration c’est moi qui ai bénéficié de cet argent.
Sauf que gros lol, mais quand tu es victime d’usurpation dans ton dos, et bah t’as pas la moindre idée de ce qui se passe, car ton ex habitait avec toi, avait un total accès à toutes tes infos, bah tu vas pas faire de procuration.

Donc le fisc fait genre en face à face « oui tkt on comprend ton histoire », mais dans les faits et les courriers ils s’en tapent. Sauf que gros lol, jamais de la vie je paierai 200k de dette fiscale à même pas 25 ans alors que je n’ai même pas bénéficié de cet argent, ni eu la moindre info de ce que mon ex faisait et encore moins à mon propre nom.

Enfin bref, du coup je n’ai pas vrm les moyens de me reprendre une avocate. Je m’en suis pris une pour les premiers rdv mais elle me coûtait trop cher (vous voyez la folie de l’histoire, j’ai même pas les moyens de me défendre alors qu’on vient me demander 200k lol).

Je bosse en temps partiel, j’ai déjà mon loyer, ma vie et mon prêt étudiant à payer. Je suis clairement pas solvable, mais vous vous doutez bien que je compte améliorer ma situation. Je n’ai que 25 ans, je crée ma boîte en ce moment, je veux gagner plus qu’un SMIC, mais bien plus peut-être dans 5 ans.

Mais avec 200k de dette que je n’ai jamais faite, comment me défendre ?
Vous en pensez quoi ?

À savoir, j’ai déjà porté plainte contre mon ex évidemment pour usurpation. Le fisc a même eu la plainte et je vais de ce pas, dans les prochains jours, porter plainte auprès du procureur de la République.

Mais je trouve ça indignant comme histoire. Je suis totalement victime dans l’histoire. Je hais me victimiser mais bon.

Et le pire c’est que je n’ai aucun enrichissement perso qui prouve que j’ai bien touché cet argent, alors que mon ex, mais lol, lui a acheté une Audi (il a même pas le permis et l’a mise au nom de son père qui n’a pas les revenus pour cet achat, donc ça se prouve très facilement). J’ai même donné l’immatriculation de l’Audi au fisc, en deux-trois clics ils verront que ce que je dis est vrai.

Il est en Thaïlande pareil, en deux-trois checks de ses comptes bancaires ils verront des mouvements à l’étranger, rien sur son compte français car il est plus en France. Ils sauront ce qu’il a fait le f d p.

Mais le fisc, j’ai l’impression qu’il s’en moque des infos factuelles et vérifiables qui incriminent mon ex et prouvent mon innocence. Ils veulent juste me faire porter le chapeau je pense, car moi je suis en France, va chercher un f d p en Thaïlande, impossible.

Le truc c’est qu’encore une fois moi je suis fauchée, je n’ai jamais eu de tels revenus, je ne savais même pas ce que mon ex faisait derrière mon dos et surtout j’étais en grande détresse psychologique, super vulnérable à l’époque (peu de contacts avec ma famille, mon ex était devenu le centre de ma vie, c’était ma famille lol, pire erreur mais bon).

Quoi faire pour me défendre ? Je vais demander un entretien avec la supérieure du mec qui traite mon dossier au fisc pour leur présenter vrm mon dossier encore et bien leur faire comprendre que pas de procuration ne veut pas dire que c’est moi qui ai utilisé les fonds !
J’aimerais vos conseils, des recommandations d’avocats qui pourraient prendre ce dossier en pro bono, n’importe quoi, mais un vrai retour, merciii.

If you been a victim of fraud, how hard is the process to fix it and who can help?

I use Norton for security on my work laptop. Today I received a notification stating my NPI, full name, city/state (which is the specific city where the group practice I am a 1099 at) has been found on the dark web from an Unknown Source in mid August 2026. Since I’m 1099 and the group practice does all billing/credentialing/that admin side of things, I don’t believe I am able to check to see if any unauthorized billing has occurred under my NPI (and I wouldn’t even know how to go about or where to look to find this information). Has anyone experienced this and/or what do I do?

Does anyone know how to block a hacker that has access to not only my BF phone, but into mine after I shut his down. They are like using his phone line some how . I disconnect and they get through Opera and other browsers. They are controlling my Spotify! No bank info tho, I'm confused and so sick of it. Anybody?

Someone bought 3 iPhones through tmobile using my

bank info. I got my money back and Tmobile marked the phones as fraud and didn't ask for them to be sent back. Im not sure if they are usable anymore but could I sell them still?

I was at Sam's Club register checking out when the cashier girl asked if she can look at my card to "scan it" to see if I qualify for an upgrade . I was thinking she was referring to my Sam"s Club membership upgrade. She told me to enter my info which did ask for my social and household income. In hindsight, it was such a red flag, but I've never had a company blindsid me by applying for their credit card without my full knowledge so it was not on my radar at the time - she essentially submitted an application without me explicitly telling her I wanted to apply . I felt so scammed as soon as she told me I will be receiving a new credit card in 7-10 business days. Is this shady tactic grounds for a lawsuit?

Hi,

Dealing with a crazy roommate situation. You can read my former post here:

https://www.reddit.com/r/IdentityTheft/s/hOIUacbOKR

New situation: today I’m in my room calling different apartment complexes so that I can move away from here, and I catch her outside taking photographs of the windshield of my car, specifically the registration and the VIN. I asked her what the fuck she’s doing, she claims all kinds of bullshit, first it’s because she wants to know if I really am who I say I am, second, she wants to make sure my car isn’t stolen – I tell her to stay the fuck away from my stuff, she calls the police on me and tries to get me arrested because I yelled at her lol, the police don’t do shit because there’s nothing to arrest me on, and that’s about the end of that. Afterwards, I went to the police station and filed a report about this because I’m concerned that she’s trying to steal my VIN number and registration for some nefarious purpose given her past history as a career felon.

My car is fully paid off; it’s a newer car. The title and all of my documentation such as my Social Security card and my birth certificate, etc., are in a locked safe over at my cousin’s house nearby – I cannot stay with him unfortunately because there are some issues with him that are personal that I’m not gonna discuss on Reddit.

Anyhow, so what I’ve done is I have done the following:

* I have covered my VIN with a piece of printer paper inside the vehicle, so it cannot be moved;

* I put my car tarp on my car so that she cannot access it anymore;

* My title and all of my information about my car is over at my cousin’s house;

I then went to the police station and reported this behavior because I am concerned she’s going to use my VIN and registration to do something nefarious.

My vehicle is still registered in New York State. It is now in Texas. My title, registration, and plate are from New York State – my car insurance is here in Texas (I’m swapping it soon but am moving back to NY at the end of the fall so I may just keep all of my stuff registered in NY state). My license is still a NY state license. Again, she and the landlord kept on taunting me that I’m taking all this too seriously and that I’m the problem – the landlord is probably in on this bullshit too because he’s also sketchy as fuck, and here’s the issue – in my last post as I explained, the landlord and his son evicted her about four years ago for causing issues with other tenants and not paying rent. She came back onto the property legally, and they had her arrested for criminal trespass. After all that happened, for some crazy reason, they allowed her to move back onto the property rent free. I don’t know what the fuck is going on, but it sounds very fucking weird to me, and it seems sketchy as fuck and I am getting out of here. I’m taking the whole week off of work just get the fuck out of here. Anyhow, here are my questions (Sorry about this long fucking rant):

One, what can she do with my VIN and registration that I need to be worried about?

Two, what do I need to be doing to protect myself?

Thank you for the reading. hate this. If anybody knows of any fucking place with immediate occupancy around the Dallas, Texas area please let me know. JFC.

Hello,

I wanted to warn everyone and share my experience with Privacy.com

A lot of Reddit posts claim you can use it to generate throwaway credit card numbers. I intended to use it to get a free trial and prevent being auto billed by a sketchy company. The website claims it is free up to 12 cards and that it will not run your credit. I signed up for an account and had to provide all personal data that is typically required in a credit card application such as a social security number and address. I did email and phone verification and added a debit card. They ran a transaction on the card and I had to verify the amount. After all those hoops, it said there was 1 more step before I could use the service.

I had to consent to applying for a “charge card” AKA a credit card through Patriot Bank.

They described this as “boring legal stuff” and I am glad I did not scroll past and click Accept. Cannot believe how deceptive they were and that I was foolish enough to give them so much verified personal data. Don’t be a sucker like me. Stay away!

My parent has been using my social since I was 8, both my parents have asked me since I filed my taxes the first time and saw the debt to not file identity theft because my parent can be deported. They've also asked me not to file my taxes. one of my parents is on disability since they had a stroke and are incapable of living alone and my sister as well since she has down syndrome. the past couple of years I've only worked on and off to not make my debt bigger and it's been okay since I've needed to care for my sister and parent. Im 26 now, I've never left home and I've been cooking and cleaning and tending to my family but I want a normal job now. my account is under threat of being levied for not paying my taxes or filing them which is why I wanna fix my information and file for identity theft because I've hardly worked 3-4 months a year so my parent can use it instead. I've asked my aunts side of the family for help and they and my parents insist I just get a job under the table and pay off my debt while I allow my parent to continue using it to be the breadwinner of our family. If I file I could potentially be the reason my parent gets fired or even deported which is why Ive listened to my parents and been avoiding it but I need to fix my information before things get worse which is why they insist I just pay it off and work under the table so I don't worsen the debt but won't be levied so my parent can continue working. I'm genuinely broken by the decision because filing could mean I can finally start a life, even if it means now I'm the breadwinner and have to support my parents and sister. But everyone in my family just keeps telling me to pay off the debt slowly. work under the table. they even offered to find me a social to use but I don't want to do to anyone what's being done to me so the only options I have are file and ruin my family or pay off the debt slowly while I work under the table making as little money as possible. everyone says it's the better end of the deal so I can keep watching over my sister, parent, and grandma and still make a little money to keep and pay off my debt while my parent keeps supporting my family. I've been told I can sell food, babysit, clean houses, work at bazaars, do easy cash jobs and it just makes me feel like they think I'm just not trying hard enough to provide for myself but how can I when it costs money to make money and I have no car. I'm frustrated and I feel like I'm stuck in a hole where making any move either hurts me or my loved ones. I just don't know what to do anymore.

A fraudulent credit card was opened in my name a couple of weeks ago. Capital One was able to flag it as fraudulent and close the card for me. Now I am trying to place a security freeze on everything to prevent anything from happening in the future.

However, a couple of services, like Clarity Services and Innovis, would not allow me to place a freeze through their online portal. Whenever I call, they just tell me that they do not have any of my information on file, and online portals give me similar errors. I suspected that it was because my credit report's address and phone numbers were changed by the fraudulent inquiry. After using the fraudulent address instead of my actual address, I was able to place a freeze on Clarity Services on their website. I am concerned about the consequences of this, and I am wondering how I should proceed with placing a freeze on others, as well as dealing with the Clarity Services freeze. Any help would be appreciated 🙏

I called Clarity Services, and they instructed me to mail a request to cancel the current freeze and place a freeze using my correct address. I am unsure about mailing my sensitive documents, as well as whether they will approve a freeze at my correct address, since it didn't work on any of the online portals.

So I have a Canadian TD Bank credit card and it keeps getting hacked. I went through 4 cards in less than three months. It’s the same person every time too cause the charge is ALWAYS and uber charge and ALWAYS in San Fran. Idk what to do anymore I am getting exhausted. Any help would be great

A few months ago I got mail for a real bank account at my single family home address with some random person's name...I’ve lived here for 3 years and this wasn’t the name of the previous owner. It was also just paging off minimum card balances for 3 major credit cards. Weird.

It gets much worse. On a hunch I just did a reverse address lookup for my home in the white pages and that SAME random person’s name is listed there as the owner. Of my home. There are no unit numbers. I’ve never heard of this person and now I’m kinda freaking out. What scam might this be and how can I stop it? I reported the account to the fraud department at the bank when I got the notice but the reverse white page result makes me fear they’re trying to steal the title to my house or something?

had my identity stolen last year. someone tried to open a credit card. since then ive frozen my credit with all three bureaus and set up fraud alerts.

but im still getting alerts. not new accounts opened but like weird inquiries. someone checking my info. stuff like that. i know freezing credit stops new accounts but it doesnt stop people from using my existing info for other stuff. tax fraud, medical fraud, all that. ive been trying to figure out what else i can do. someone told me to check people search sites like whitepages and spokeo. my address and phone number are on there. apparently thats how scammers piece together profiles to commit fraud.

anyone else dealt with this. freeze credit. check data brokers. what else am i missing. feels like im doing everything right but still getting alerts.

Today I received a notification of a CareCloud security breach, about medical information stolen. Every year I get a similar letter from different companies. Underpaid employees are selling us out by selling our personal information. This letter today offered no free identity theft protection. I received a few sheets of paper expressing the company's regret for the security breach and a lot of general advice on how to get a security freeze. All the stuff I already know.

I need no advice from a careless company that doesn't care enough to pay for identity theft protection. Last time, shortly after I got a notice like that and put off setting up the identity theft protection offered, someone forged a check with my name and Social Security number through an out-of-state credit union.

My bank put the stolen check through after the credit union, with the original forged check rejected the check because the stolen check was from a credit union customer who was a previous identity theft victim. It disappeared in my bank briefly. After I filed a complaint with my bank, I was told that $950 should have gone back to my bank account. Sticky-fingered employees must have thought they could keep it🤔

Sorry this is long, but I honestly don’t know what else to do.

My debit cards were stolen, and shortly afterward, basically all of my money was drained through Chime Pay Anyone, Apple Cash, an ATM withdrawal, and debit-card purchases.

I did not make or authorize any of these transactions. I never pressed send, I don’t know the person who received the money, and I had never used Chime Pay Anyone or Apple Cash to send money before this happened.

What really doesn’t make sense is the timeline. My Chime history shows some of the money leaving before a large transfer from savings to checking that supposedly made the money available. Every time I ask Chime about this, I get a different answer. One representative said I had a significant balance, another said I only had a few dollars, and another said there was almost nothing in either account. None of those explanations match the transactions shown in the app.

Chime has denied my disputes repeatedly. I appealed and submitted screenshots, bank records, police reports, identity-theft reports, and other evidence. A representative confirmed that my documents were received and attached to all my disputes. When I called back, other representatives told me the documents were never uploaded. This keeps happening. I’m told the evidence is there, then I call back and I’m told it isn’t.

One representative accused me of committing fraud and told me my information was wrong because only Chime’s information was correct. They wouldn’t tell me exactly what they thought I lied about. Another representative actually told me that it wasn’t Chime’s job to protect my money and that the theft was my responsibility.

I also recorded a call where Chime’s automated agent seemed to understand the problem with the transaction times and told me I had a good point. It transferred me to a person, I explained everything again, they put me on hold, and then the call ended. During another call, a representative accidentally read out the same transaction time I was seeing, even though other representatives had been telling me something different.

I have saved every screenshot, statement, recording, dispute update, and document confirmation I could. I’ve also filed reports with the police and several federal consumer-protection, identity-theft, financial-crime, and banking agencies.

These weren’t random unrelated charges. They were all part of the same incident after my cards were stolen, and the same evidence applies to all of the disputes.

I’m not posting this to identify or harass the recipient or any Chime employee. I just want my disputes properly investigated and my money returned.

Has anyone else gone through something like this with Chime? What records should I demand from them? Should I ask for the full transaction ledger, balance history, login and device records, authorization logs, and everything they relied on when denying my claims? At this point, should I be looking for a consumer-protection attorney?

The solution offered was to make a loan.