I just got a bill for a Wayfair credit card that was issued by Citi bank that I did not apply for. I never even shopped on that website.
I tried contacting both Citi bank and Wayfair, but since I don’t have the full account number, I couldn’t get past Citi’s automated phone menu.
Wayfair’s phone system was a fucking nightmare getting transferred to various departments, but eventually transferred me to a foreign call center where they insisted that they needed my social security number and birth date to file a report, but I’m not giving them that.
The best thing is that the scammer managed to get a higher credit limit than I was able to get on my own card.
You’re a victim of identity theft. You should start here: https://www.usa.gov/identity-theft
Look into the benefits offered by your other credit cards. My identity was stolen a few years ago and I learned like a few months ago that one of my credit cards offers free identity protection services if/when your identity gets stolen.
They handle all of the annoying shit like contacting the bank, getting the debt off of your credit card, etc.
If not, and you were part of the Equifax (or any) hack, you likely have this same service available to you for free.
Just a friendly reminder to lock your credit.
Worth noting, there is a difference between “lock” and “freeze”. See this article for the difference but I believe freezing is preferable https://krebsonsecurity.com/2018/09/credit-freezes-are-free-let-the-ice-age-begin/
Freezes are free now and my experience has been they are instantaneous for freezing and thawing.
I’ve had all my credit frozen for several years, ever since I got a call from Best Buy about someone trying to setup a credit card in my name. I since had a report that my credit line at sprint was declined because my credit was frozen. It’s no big deal to freeze and thaw.
Prevents anyone from opening shit with out you very specific pin number…keep that shit in fort knox
Locking credit doesn’t prevent it from changing, it just makes it so no one can get your report until you unlock it. This should be the default behavior, but it would prevent these companies from making as much money.
Why can’t a scammer who can get your credit report, also unlock your credit?
Wayfair won’t be able to help you. You have to go through Citi if you don’t have an identity service. It’s wild that someone from Wayfair asked for your social.
Just to add, credit limits vary wildly between card issuers. There’s often no rhyme or reason as to why some give such a higher limit. My cards range from like 4k to 12k
See the phone numbers on the last page
