Sometime late last year (October 2006 I believe) we received a phone call from a female capital one rep from claims stating that my mother has been past due several months on a credit card statement in the amount of $2800~
Let me address a few things before I continue.
1. My mother has never owned a capital one card, nor has she personally ever signed up for one.
2. Capital one has never issued any type of statement(s) to our current home address.
3. I did most of the talking as my mother's English isn't as proficient
I proceeded to tell her the facts stated above, and asked her to confirm the address issued to the credit card holder.
It turns out that the address is NOT ours.
We confirm that my mother has been a victim of credit card fraud and the rep proceeds to tell me that a police investigation will take place. She informed me that they will be calling us with an update of what has taken place.
At this point she has lead me to believe that the situation has been resolved.
(We didn't hear back from capital one after this call)
until...
------------>Fast forward to this morning (March 22, 2007)
Mother receives yet another call from Capital one claims. They claim my mother still owes an outstanding overdue balance of $2800~ They make an offer to my mother stating if she pays 1k they will forget about the rest (mother obviously refused the offer). From what my mother is saying now, they are claiming the address on the card holder is our previous residents, which was 6 years ago.
I am at a loss of what to do about this. Any advice from a legal standpoint would be greatly appreciated. Thank you.
I
Let me address a few things before I continue.
1. My mother has never owned a capital one card, nor has she personally ever signed up for one.
2. Capital one has never issued any type of statement(s) to our current home address.
3. I did most of the talking as my mother's English isn't as proficient
I proceeded to tell her the facts stated above, and asked her to confirm the address issued to the credit card holder.
It turns out that the address is NOT ours.
We confirm that my mother has been a victim of credit card fraud and the rep proceeds to tell me that a police investigation will take place. She informed me that they will be calling us with an update of what has taken place.
At this point she has lead me to believe that the situation has been resolved.
(We didn't hear back from capital one after this call)
until...
------------>Fast forward to this morning (March 22, 2007)
Mother receives yet another call from Capital one claims. They claim my mother still owes an outstanding overdue balance of $2800~ They make an offer to my mother stating if she pays 1k they will forget about the rest (mother obviously refused the offer). From what my mother is saying now, they are claiming the address on the card holder is our previous residents, which was 6 years ago.
I am at a loss of what to do about this. Any advice from a legal standpoint would be greatly appreciated. Thank you.
I
