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You're right, I missed when you said registered snail mail, I didn't see that (I need new glasses, it's getting too hard to read) and I thought you just meant n

You're right, I missed when you said registered snail mail, I didn't see that (I need new glasses, it's getting too hard to read) and I thought you just meant normal mail. Second point: this absolutely is identity theft and that isn't a strike against op at all. Someone impersonated op to open an account. You're correct that the bank is liable for the fraud, but op is still the victim of a crime and has to jump through hoops to fix it. And the bank isn't going to pay a dime to op. For all we know, someone submitted a really good fake driver's license (or a copy of the real one) and SS card and opened the account. I'm not blaming op at all—I had my identity stolen twice and the most you can blame me for is not putting fraud alerts on my credit reports, including one I didn't even know about—but the balls in their court to fix this

GoodbyeMrChips 5y ago
Thanks for your input. Did you put in a claim to the bank for your losses (your time sorting this out and quantifiable financial loss)? This would be a simple thing to do in the UK [1] as the bank was clearly at fault not you, no matter how convincing the fake ID was. [1] You can fill out this online government form in a few minutes to take them to small claims for a small fee (which you add to your claim) https://www.gov.uk/make-money-claim https://www.gov.uk/make-money-claim
- starwind 5y ago
  I wish I could put in a claim but I'm in the US :| My identity theft didn't (directly) involve a bank. It was a major retailer where someone opened and maxed out a credit card in my name, a cell phone company where they opened up a new family plan and made off with 4 unlocked iphones, and (later) the Small Business Administration where someone applied for a covid relief loan that got approved for about $100k. Luckily, my credit monitoring instantly caught it and I was able to call and stop dispersal All-in-all I was out a few hours of my time and the cost to make copies and send faxes

GoodbyeMrChips 5y ago

Thanks for your input. Did you put in a claim to the bank for your losses (your time sorting this out and quantifiable financial loss)? This would be a simple thing to do in the UK [1] as the bank was clearly at fault not you, no matter how convincing the fake ID was. [1] You can fill out this online government form in a few minutes to take them to small claims for a small fee (which you add to your claim) https://www.gov.uk/make-money-claim https://www.gov.uk/make-money-claim

starwind 5y ago
I wish I could put in a claim but I'm in the US :| My identity theft didn't (directly) involve a bank. It was a major retailer where someone opened and maxed out a credit card in my name, a cell phone company where they opened up a new family plan and made off with 4 unlocked iphones, and (later) the Small Business Administration where someone applied for a covid relief loan that got approved for about $100k. Luckily, my credit monitoring instantly caught it and I was able to call and stop dispersal All-in-all I was out a few hours of my time and the cost to make copies and send faxes