So, I was recently the victim of Application fraud/Identity Theft. Someone managed to take a credit card out in my name (through an on-line application) and racked up $10,000 worth of merchandise.
So, after going to the police, filing a report, getting a case number, getting an affidavit stating it wasn't me, it was passed along to the fraud department of that particular company/bank who was defrauded.
I was just curious, however, what's the liability in all of this? Obviously it wasn't me who took out the card. It wasn't me who racked up these charges. I never signed for a card. The physical card was delivered to an address that wasn't, isn't, mine.
There's no way I can be held accountable for this, can I? The police said, "No," but I am a paranoid person
So, after going to the police, filing a report, getting a case number, getting an affidavit stating it wasn't me, it was passed along to the fraud department of that particular company/bank who was defrauded.
I was just curious, however, what's the liability in all of this? Obviously it wasn't me who took out the card. It wasn't me who racked up these charges. I never signed for a card. The physical card was delivered to an address that wasn't, isn't, mine.
There's no way I can be held accountable for this, can I? The police said, "No," but I am a paranoid person
