I explained to them I never had a MasterCard, and asked to send me a copy of the application. Their response was that I needed to file a police report if it truely was a case of stolen identity.... So I did. I offered to send them a copy, but by that time (because it was 24 hours after the first call from them... hehe), they said it was too late. So I asked them to put me in touch with the issuing credit card company. And of course they couldn't do that either. So whatever, I found their fax number on their website (which is terrible BTW [this site is terrible too, but hey, I spent 5 minutes on it, and it's not a business site]) and faxed them a copy of the police report.
So didn't hear anything back from them, and figured it was done. Okay, fast forward a couple years. I have this one bank account where I keep "play" money in. Somehow they seemed to have gotten a court order to take money out of that account (which was abut $7,000, I assume from interest on my "bad debt"). Not being a lawyer, it seems interesting that you are able to do that without any sort of court hearing or notification. But okay... whatever. :)
So now, it seems I have to hire a lawyer so I can have some of my play money back.
Just to give some background on my credit:
- My "real" credit card is not a piddly $5,000 limit. It's a Visa Signature with no limit
- I spend a little over $100,000/year on my Visa (I have lots of sky miles these days)
- To date, I have never in my life had a finance charge accrue on any credit card I own (they all are setup to pay off in full at the end of each month)
- Big purchases are always cash (real estate and vehicles)
- Last time I had my credit report run, the company running it said they had never seen such a perfect credit report (950 out of 950)
Oh well, I can't really blame them, they are just puppets I suppose. But since they are paid on commissions, it might save them some money in the future to *not* assume everyone is guilty. :)