AI Legalese Decoder: Safeguarding Against Unauthorized Credit Card Opening and Account Connection at Empower FCU
- October 20, 2023
- Posted by: legaleseblogger
- Category: Related News
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**Emails from Capital One: Identity Theft Concerns**
Recently, I found myself bombarded with a series of rapid-fire emails from Capital One, each regarding various activities supposedly linked to my account. The emails notified me that I had been approved for a Platinum credit card, updated my phone number, opted for paperless statements, logged in from an iPhone (which is odd since I use Android), and even connected a bank account at Empower FCU to my card. Panicked, I immediately verified the legitimacy of these emails by calling Capital One directly. Surprisingly, their records held no mention of these activities being associated with my social security number. It became apparent that someone had used my name and slightly altered email address (adding a “.” in the middle) to carry out these actions, despite not having access to my social security number.
Understandably worried, I tried contacting the fraud office, only to discover that they were closed for the night. In an attempt to safeguard my financial security, I took the proactive step of freezing all three of my credit reports. Despite not suspecting anyone I know personally, it is crucial for me to resolve this unsettling incident promptly and uncover the truth behind these actions.
As an alternative approach to resolving this predicament, one potential solution could be employing the AI Legalese Decoder. This advanced technology utilizes artificial intelligence algorithms to unravel complex legal jargon typically found in user agreements and terms of service. By using this innovative tool, individuals facing identity theft or unauthorized credit card openings, like myself, can gain comprehensive insight into the situation, understand their legal rights, and expedite the process of rectifying the issue.
In addition to contacting Empower FCU for further clarification, which unfortunately was not possible at the time due to their closure, harnessing the power of artificial intelligence through the AI Legalese Decoder could prove invaluable in uncovering the elusive details surrounding this incident. By having a clear understanding of the legal implications and possible courses of action, victims of identity theft will be better equipped to efficiently resolve such matters and regain control over their personal information and financial security.
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****** just grabbed a
Call and speak to fraud tomorrow and get those shut down
Your identity has been stolen, 100%. There’s a million ways how, but it’s happened. Now, go on equifax, transunion, and experian and freeze your credit. For the rest of your life, keep it frozen, thaw it to apply for loans etc. Welcome to the club, it sucks.
They tried to open a bank acct, home loan, and bought 10 IPhones before I caught on. Call the fraud dept ASAP when you can. The police won’t care fwiw.
Periods in gmail addresses are ignored. So if you have the email address ÔÇÿdude at gmail.comÔÇÖ and someone used ÔÇÿd.ude at gmail.comÔÇÖ, to sign up for something, youÔÇÖll get those emails and theyÔÇÖll be trying to figure out why they didnÔÇÖt get emails.
This happens all the time when thereÔÇÖs someone else involved in entering your email, like when signing up for an account. ÔÇ£ WhatÔÇÖs your email? B dot U. D. E at gmail.com. ÔÇ£ Person hears incorrectly and enters D dot U. D. E.
Happens to me all the time, I get random emails for a woman in Australia because itÔÇÖs consistently entered incorrectly when signing up for things.
How common is your name? ItÔÇÖs possible another ÔÇÿyouÔÇÖ just used the wrong email, because they gave to us your ssn to apply for a credit card call then during operating hours to get more details.
It is just a typo in the email address someone used, a crook wouldnÔÇÖt have used your email address
Just an FYI, Gmail will ignore that . char if you’re using a Gmail account.
You can send an email firstnamesurname@gmail.com or firstname.surname@gmail.com and it will deliver to the same inbox. Someone with a similar email address probably made a typo and you’re unlucky enough to be caught in the blast radius.
https://finance.yahoo.com/news/stop-worrying-period-gmail-address-180300536.html
This happens to me all the time because I wasnÔÇÖt smart when I picked an email address in 2004. I get hotel and car rental reservation emails, Walmart pickup orders and other grocery store junk, among other things.
You should also freeze NCTUE (cell phone accounts) and ChexSystems (bank accounts).
We thaw our freezes for a few days when we need something, otherwise they stay frozen.
Could be a phishing attempt to get your info. Did it ask you to enter any info ? I wouldnÔÇÖt enter any information if so, just call and go with the proceedings they give you.
If your social security number was not used then it is not a huge concern and in fact likely you will not be able to verify it to get it shut down anyway. These are the next steps of what you need to do:
1. Pull your credit report. Check if there is any inquiry or new accounts that show up. Even if it is brand new, it should still show up as an inquiry.
2. (Optional) download creditwise. This is a free tool that helps you to monitor your credit score as well as anything going on with your credit.
3. If you can verify that there have not been any inquiries on your credit bureau, then you should be ok.
4. Freeze your credit bureaus and only unfreeze or thaw them when you want to apply for new credit.
5. If you do see an inquiry from capital one on your credit bureaus, immediately contact the bureaus and initiate a credit bureau investigation. You can also do this with capital one, they will provide you an address to mail a letter requesting a credit bureau investigation.
6. If you have confirmed that someone has stolen your identity, contact the credit bureaus and ask to put a “fraud alert” on your bureaus that will require a credit card company to call you and verify you are opening a credit line before any new credit can be opened.
Source: I work at a major bank, I have spent years working in the fraud department and still work very closely with them on these exact concerns.
I have this happen to me pretty regularly. My email address is first.Last@gmail and there’s another person using firstlast@gmail and I get her emails all time. For me it isn’t a stolen identity just a stupid email because the period doesn’t seem to matter as far as emails go. Hence why your ssn wasn’t used.
Call the bank to see if they have an account under your SSN and report fraud if so, but my bet is wrong email used most likely. I have two older email accounts that get tons of “wrong” emails…my yahoo gets a shitload of messages for some lady named Natalia who has the same last name as me…I’m a guy. She apparently bought something at Walmart last week, bought life insurance in September, uses Progressive for car insurance, and has a claim open for an accident in a 2013 Corolla.
Only reason I keep it is because my yahoo account is 5 characters which is effectively impossible to get now.
I also have a 4 character Comcast address with similar issues.
For at least Gmail addresses, you can use some characters in the email address to differentiate it on external sites, but it’ll route to the same address. The ‘.’ Character is one such character. Good luck with the identity theft.
What address did they give? Did they give your true address?
It’s a well-known fraud technique to use dotted gmail addresses to avoid detection in a banks fraud systems. So they fact they put a dot in the email is very suspicious.