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Fraud from 4 years ago.

Submitted by jbtemtp on Mon, 08/24/2009 - 11:42
Posts: 41

Back in 2005 there was $20,000 worth of fraud put on two of my Discover Cards. I talked with them and told them it was fraud and they said they would investigate. I kept getting the monthly statements but I refused to pay the minimum which was $300 a month on something that wasnt mine. 3 months went by when I got a call from Zwicker and Associates debt collection company. They said they got the debt from Discover Card and wanted there money. I told them It was fraud, they said they would call Discover back and get back to me. I heard nothing back from either Discover or Zwicker. The monthly statements stopped comming as well. Now I know I should of followed up on this and I didnt. Now in 2009 when I go to buy a new car I see both of these Discover balances on my credit report showing negative and all accounts charged off. I call Discover and they say they have nothing on file about fraud and I owe this money still. Since its been over 4 years and I have no paperwork to prove anything what do I do? I am sick just thinking I may owe money I did not spend. I live in Wisconsin and I dont know if there are laws for this.

am bumping this,but you really should have filed formal papers if fraud or ID theft was suspected.hopefully someone will come along with more info.

Submitted by paulmergel on Mon, 08/24/2009 - 11:53


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