ID Theft - demand your PIN!
Saturday, January 05, 2008
MUST READ book: Liberty for None and Injustice for All - ID theft victim legal struggle
This is not the detailed review I had planned to write about Gerald Eller’s ID theft and legal nightmares, but I’m just too busy.
Jerry Eller could have been a collector.
He worked in sales (cold calls for MCI) and spent his life not having to worry about finances until he started getting collection calls and letters in the late 90s. His credit reports were mixed up with “Jerry Willard”, a guy who somehow got his SSN and started opening accounts and then didn’t pay. After a lot of stress and frustration, he thought he resolved the problems.
Of course, it wasn’t so.
Jerry is as honest as anyone could be.
He describes in detail how he had one problem after another. Problems finding a new job after the World.com collapse and nobody telling him that they declined to hire him because they reviewed his credit report.
No corporation wants to give the REAL reason because it likely means that they may be drawn into litigation, having records subpoenaed and employees deposed. Nobody needs that crap. So Jerry is lacking DOCUMENTATION of his damages.
The job he got SUCKED.
To make matters worse, he hired attorney Robert Mason to restore his perfect credit rating.
Mason should have been disbarred. He didn’t even conduct discovery!
Jerry describes the court hearings, the Trans Union attorneys and he even mentions Amanda Lewis (Stamps), the attorney who handled my very first lawsuit against TU in small claims.
Jerry doesn’t hold back. He names NAMES!
At the settlement hearing with judge Shaffer, TU offered $15,000.
My thought was that Shoop would come out with guns a blazing telling the judge about my difficulties in obtaining employment and trying to get loans of credit on multiple occasions. It was a given he would eloquently express to the court how damaging all this mess was to my financial situation and future.
It was exciting me to think he would site the Fair Credit Reporting Act and talk about my actual damages of liquidating my assets and the destruction of my reputation and character. I thought for sure Shoop would indicate that punitive damages alone would exceed $15,000!
Shoop’s first words out of his mouth were, “Your honor, I just came on to this case within the recent weeks, and would like to refer it over to attorney Robert Mason.”
Okay, that sounded like a fairly reasonable response. He didn’t know as much as Mason knew at this point. I sure didn’t want him screwing this thing up and saying we accept TransUnion’s offer!
We all look over at Mason eagerly awaiting his response and Mason turns to look at me and says, “Your honor, I will just have Mr. Eller explain his situation.”
What? It was surreal.
Over three years of this garbage, lost evidence, denied employment, denied credit, telling strangers about Jerry Willard so I can get a student loan, mental anguish, obstruction of justice by TransUnion, two different attorneys in a matter of weeks, and being assigned a criminal alias and I am now representing myself?
On several pages Jerry describes his thoughts and finally decides on his counter offer:
It wasn’t near enough money but I quickly responded to Shaffer’s question of what did I want, and said, “I will be willing to settle for $250,000.”
The response from not only TransUnion but also my own two attorneys and the judge was unbelievable! You would have thought I demanded everyone’s firstborn child or something.
TransUnion immediately stood up and stated that they couldn’t agree to such an unacceptable demand.
Mason and Shoop looked at each other like they didn’t write enough letters or make enough phone calls to justify half that amount in legal fees or costs. Shaffer wrongfully and irresponsibly said that my case couldn’t warrant or justify such a request.
Jerry moved on to try to find attorneys, he represented himself, he complained with the Bar, tried for a criminal investigation (which SHOULD have been conducted!) and he became a complete basket case because he could not understand (and still doesn’t) why things suck as they do and why nobody gave a rat’s ass about his problems.
Not being able to get a decent job (he tried insurance companies, but they all check the credit), he went back to school mainly because you don’t need perfect credit for a student loan and Jerry was BROKE.
On 9/11 Jerry decided to go back in the army.
He couldn’t get his security clearance because of his credit report. But again NOBODY would actually give him in writing that his credit was the problem. They even LIED to him, stated that he got his clearance after an extended boot camp stay and then shipped him to Hawaii. Jerry hated his time with the 125th Signal Battalion, his life was miserable.
The second half of the book is mostly about his time in the army, dealing with his clearance, discrimination, an injury, getting married and divorced again, still searching for a lawyer and dealing with the credit issues, finally being discharged and getting screwed by the army on his disability rating. Unfortunately, there’s very little about his lawsuit against Experian and the outcome.
Jerry is a chauvinist and a racist.
Jerry is the kind of guy who would post here that all you need to do is pay your bills on time and you’ll never have a credit problem—until it happened to HIM.
Jerry is a moron in many respects, but he still is a human being and the FCRA does NOT apply only to people who are not morons.
Jerry didn’t deserve to have his life destroyed by the credit bureaus.
And the book is so full of spelling and grammatical errors, at times Jerry really doesn’t make sense. And that’s too bad. I don’t know yet what it costs to have Amazon’s self-publishing subsidiary BookSurge to update. They only print on demand, what’s the big deal? I just sent them an email and asked.
Jerry still didn’t have the slightest clue about the law and procedures when he wrote the book.
MANY of his statements are totally wrong.
It’s beyond comprehension that he represents himself as an ID theft expert at his website. He is as clueless as it gets. I can’t understand why he didn’t find my websites during his research. It looks like one of his girlfriends found my posts about the $5 million jury verdict against TU.
The reviews at Amazon are quite helpful.
Jerry actually SPAMMED to increase sales. And instead of apologizing, he responded at Amazon:
… E-mailing random e-mails to public e-mail addresses is a 1st Amendment Right that millions have died for, fought for, and are dying and fighting for as I post this. ...
Jerry is an idiot. You will see bizarre statements like this throughout the book.
ESPECIALLY because of these issues, this is a MUST read book not only for all consumers with credit problems, litigants and lawyers, but it also shows why nothing every changes.
The Jerry Ellers on this planet are only concerned with their own problems, are incapable of researching legal issues, incapable of figuring out the extent of the corruption and continually draw wrong conclusions.
But at least Jerry had the guts to tell his story to the WORLD.
The credit problems and litigation ruined his relationship with his family and friends. I very rarely talk about my litigation with family and friends. They don’t understand and they don’t want to hear it. The two questions most asked: How much do you expect to get and WHEN will you get the check? And then there’s the “why are you wasting your time on this when you don’t get paid for your time?” It’s frustrating.
Writing the book was probably Jerry’s therapy and I can relate to that too.
I’d go insane if I couldn’t write about my litigation. It’s a way to find closure.
When an injustice or lying lawyer upsets me, I post about it and then I know that at least I’m not getting railroaded secretly. I don’t believe in telling these types of problems to a psychiatrist, you got to tell the WORLD!
Liberty for None and Injustice for All is definitely a MUST read for anyone involved with credit problems, litigation and people who claim that all you need to do is pay your bills on time and you’ll be fine or that you just need to get a lawyer when you’re wronged.
ID Theft - demand your PIN! • (0) Comments • Permalink
Tuesday, October 02, 2007
ID theft victim Mayor Bloomberg didn’t notice $10,000 missing from his account
This explains why most politicians have absolutely no concept of what working people go through just to pay the bills . When you don’t notice $10,000 missing from your checking account, you have a problem:
You have TOO MUCH MONEY!
Bloomberg Victim Of ID Theft, Authorities Say
By Alice McQuillan
POSTED: 4:06 pm EDT October 2, 2007
UPDATED: 7:56 pm EDT October 2, 2007NEW YORK—Even New York City Mayor Michael Bloomberg is apparently not immune to the epidemic of identity theft.
The billionaire’s personal account at the Bank of America has been targeted by two alleged thieves, one stealing $10,000 from the mayor, the other thwarted in an attempt to get $420,000 by using forged checks, authorities said Tuesday.
Manhattan prosecutors announced charges against the two suspects, saying it’s unclear how they obtained Bloomberg’s account information and if they had been working together.
The suspects, New Jersey men in custody since late summer, apparently had the mayor’s account number, perhaps by seeing or finding one of his checks, law enforcement sources said.
The first theft of $10,000 happened in May through an online transfer from the mayor’s account to an E-Trade account set up by suspect Charles Nelson of Newark, prosecutors said. That swindle was apparently undetected until the second suspect, Odalis Bostic of Elizabeth, tried to steal $420,000 of Bloomberg’s money in June, officials said.
Bostic is charged with depositing two forged checks drawn on the mayor’s account at the Bank of America and issued in the name of his financial manager, Geller & Company, said Manhattan District Attorney Robert Morgenthau. Bostic set up a firm in Elizabeth called the Laderman Development Company and opened business accounts in that name at two banks, PNC and Sovereign Bank, prosecutors said.
In early June, Bostic deposited one of those forged checks, worth $190,000, into the Laderman account at PNC and then another forged check for $230,000 into that company’s Sovereign Bank account, authorities said. Given the amount of these checks, the banks put holds on them and a subsequent investigation uncovered the forgeries and the earlier $10,000 theft, prosecutors said.
Nelson is charged with third-degree grand larceny and first-degree identity theft and remains in custody on weapons charges in New Jersey after two guns were found in a search of his home, authorities said.
Bostic, who told authorities that he was in the construction business, was charged with second-degree attempted grand larceny and bail was set at $10,000 at his arraignment Tuesday in New York State Supreme Court.
So the first guy was dumb enough to move the $10K into his own account, the second guy is so stupid it must hurt.
It makes you wonder how many millions Bloomberg has in his checking account.
ID Theft - demand your PIN! • (0) Comments • Permalink
Saturday, July 21, 2007
ID theft AGAIN—fraudulent charges to my Capital One card
As long time readers may recall, I sued Capital One in 2004 because they refused to provide ANY information about fraudulent charges to my Capital One credit card. At the time I tried to file a police report and the deputy refused because I had NO information about the charges. Capital One had deleted all references to the fraudulent charges prior to sending the statement. Judge Wake in Phoenix federal court ruled that Capital One has no fiduciary duty to assist me in any way whatsoever.
So I just checked the balances on my credit cards and it actually took a while to grasp what happened. I noticed that $0 was available and I wondered what I screwed up. I checked the recent transactions, saw the $286 charge and wondered what I ordered. I’ve been ordering a lot online since I’m building my new house off the grid and needed all kinds of power gadgets and stuff to stay cool while working there this summer.
Then I noticed the Walmart charge and I realized that those were fraudulent charges.
\
I need this like a hole in the head.
I’m writing this post while holding for a person at Capital One, after pushing “0” numerous times since they don’t have an option to get to a person.
I think they just disconnected me, went from hold music to silence. How nice! Hoping it’s not true .... nope, the line is dead, have to go through this ordeal again to TRY to report the fraudulent charges.
This time I listened to all the options on 3 or 4 menus and I got to the option to report fraud. I’m on hold again. Finally somebody picked up. I tell my story and I’m transferred. And again. THREE times I had to explain everything until my dispute was accepted.
Time WASTED on the phone with Capital One: 43 minutes
Then I had to explain what happened to my visiting nephew, then I called the sheriff and now I’m waiting for a call from a deputy or maybe they’ll just stop by.
Last time, the deputy refused to write up a police report because I didn’t have any info about the charges and Capital One refused to provide any info to me. Of course they COULD have sent a subpoena to Capital One, but that would be too much to ask from law enforcement.
This time, I printed and saved the page online BEFORE Capital One disabled my access and deleted the fraudulent charges. And I even got the authorization codes for both transactions from the Cap One rep on the phone.
Will they actually investigate?
This will be another interesting documentary. I just recently changed my billing address for this card and I haven’t used it a lot. For online orders, usually at least the zip code for the billing address is confirmed. Both Walmart and Best Buy should have the IP for the order as well as all the information that was provided by the ID thief.
Even if I can’t pin down which merchant was responsible for the theft of my data, posting the listing of suspects would result in positive ID if OTHER victims from the same outfits find my documentary.
Unless someone broke into my home and stole my info for maxed out credit cards and nothing else (highly unlikely!), the only explanation is either mail theft in combination with pretexting or an employee at a merchant or bank stole and/or sold my data.
I don’t know yet whether Best Buy and Walmart require the 3 digit code on the back of the card to place orders and what other security measures they take. It’ll be interesting to find out.
It’s really amazing that there is NO interest by any law enforcement agency to determine where credit card data is stolen. If they compiled a database of all merchants and banks (could be bank employees—they have all the data when you take out a cash advance) used by the fraud victims in the previous 6 or 12 months, you could pinpoint immediately where the crimes occur. But because NOBODY gives a rat’s ass, people like me have to waste many hours and go through this hassle.
Potential damages:
I’ll probably have to fill out paperwork again. Capital One will bounce ALL checks and will not allow me to provide them with the check numbers, amounts and companies to pay those. That means that I’d have late, over limit and return check fees if I had used one of their checks to pay a credit card. Capital One doesn’t care.
Capital One states that recurring charges will probably be honored. Last time, they were all declined.
Capital One recommends that I contact everybody with recurring charges and provide the new account number. But I don’t get the new number for probably 2 weeks. It was embarrassing last time when my charges were declined, it’s a hassle for my vendors, and if you’re on vacation or otherwise not near your home/office, you can book the next flight home to deal with this crap.
We need new legislation to deal with these issues.
Right now, it’s cheaper for the banks to NOT investigate. If they had to pay every consumer for time, expenses and stress related to fraud, they WOULD investigate.
And since I’m sure that some of my credit monitoring services come with ID theft insurance, I’ll try to file a claim. It’s highly unlikely that they’ll pay as much as a dime.
2004 Suit (credit limits, credit reporting - on appeal) • Capital One - ruthless banksters • ID Theft - demand your PIN! • (0) Comments • Permalink
Thursday, July 05, 2007
Certegy Check Service (collector + credit bureau) employee sold 2.3 million consumer data records
Check Processor Says 2.3 million Consumer Records Stolen, Sold
Certegy Check Services, Inc. said Tuesday that an employee, William Sullivan, used his position as a senior database administrator to misappropriate the data and sell it to a consumer data broker.by Patrick Lunsford,
insideARM.com
July 5, 2007An employee at a check processing company has been accused of stealing 2.3 million consumer data records that included bank account and credit card information. The records were sold to direct marketers.
Certegy Check Services, Inc. said Tuesday that an employee, William Sullivan, used his position as a senior database administrator to misappropriate the data and sell it to a consumer data broker. The company estimates that the 2.3 million records sold contained information on 2.2 million bank accounts and 99,000 credit card accounts.
Certegy’s parent company, Fidelity National Information Services Inc. (NYSE: FIS), announced that no data had been used for identity theft or financial fraud, according to the Associated Press.
The story broke nationally as a result of a civil lawsuit filed by Fidelity against Sullivan. The data broker that originally bought the records, Jam Marketing, did not know the records were stolen, as did any of the marketing companies that bought the information from Jam. Certegy fired Sullivan after it discovered the theft in early May. Sullivan was a 7-year employee of Certegy. An investigation by the U.S. Secret Service and Pinellas County (FL) Sheriff’s office is ongoing, according to various media reports.
Certegy said in a statement it maintains bank account information in connection with its check authorization business to help merchants to decide whether to accept checks as payment. Certegy also provides collection services on bad checks and has an authorization system specifically geared toward the gaming industry.
Isn’t it interesting that they claim that “no data had been used for identity theft or financial fraud.”
How would they know? They can’t possibly be so stupid to think that ID thieves let the victim know where they got their data!
Lies, lies and more lies ... everywhere I look.
Next to NO ID theft complaints are actually investigated, judge Wake in Phoenix ruled that Capital One has no fiduciary duty to its customers and that they do not have to provide ANY info whatsoever about fraudulent charges to its customers—effectively preventing any investigation.
So there. Those thugs all stick together.
It is EXTREMELY likely that bank and CRA employees routinely sell credit card and personal data to ID thieves. As long as they don’t get too greedy, nobody will ever know. After all, their employers make sure that ID theft can not be investigated.
Credit - Collection - Economic News • ID Theft - demand your PIN! • (14) Comments • Permalink
Friday, June 15, 2007
ID theft victim chases down the criminal in San Francisco
She chased down woman who had given her 6 months of hell
Mike Weiss Chronicle Staff WriterFriday, June 15, 2007
If it hadn’t been for the distinctive suede coat, there would have been no chase through the streets of San Francisco, no heroine and, in all likelihood, no justice. But when Karen Lodrick turned away from ordering her latte at the Starbucks at Church and Market streets, there it was, slung over the arm of the woman behind her.
It was, Lodrick thought, a “beaucoup expensive” light-brown suede coat with faux fur trim at the collar, cuffs and down the middle.
The only other time Lodrick, a 41-year-old creative consultant, had seen that particular coat was on a security camera photo that her bank, Wells Fargo, showed her of the woman who had stolen her identity. The photo was taken as the thief was looting Lodrick’s checking account.
Now, here was the coat again. This woman—a big woman, about 5 feet 10, maybe 150 pounds—had to be the person who had put her through six months of hell and cost her $30,000 in lost business as she tried to untangle the never-ending mess with banks and credit agencies.
According to Javelin Strategy and Research, a Pleasanton firm that conducts an annual identity fraud survey, there were 8.4 million victims of identity fraud in 2006. But both a spokesman from Javelin and an agent who tracks identity theft for the Federal Trade Commission said they had never heard a story like Lodrick’s. One irony, and there were many—for instance, the woman posing as Karen Lodrick also had ordered a latte—was that Lodrick was waiting at Starbucks on the morning of April 24 for the bank next door to open so she could pick up “her” driver’s license. The bank had called to say it had been left there, but Lodrick had never been in that branch.
Lodrick’s heart was pounding. Despite the expensive coat, the Prada bag, the glitter-frame Gucci glasses, there was something not right about the impostor she would later learn was named Maria Nelson.
“She had bad teeth and looked like she hadn’t bathed,” the onetime standup comic recalled recently. “I thought, ‘You’re buying Prada on my dime. Go get your teeth fixed.’ “
When Nelson got up to leave, Lodrick, who is 5 feet 2 and 110 pounds but comes from what she calls “a fighting family,” made an instant decision. First she called 911. Then she followed Nelson down Market Street.
The foot chase was on.
Nelson turned up Buchanan Street in front of the new San Francisco Mint with Lodrick after her. Lodrick felt an almost otherwordly calm and was entirely focused on not losing sight of this person who had made her feel so unsafe. Meanwhile, she was giving the 911 operator a play-by-play on her cell phone.
But as Lodrick turned the corner at the crest of the hill, Nelson was nowhere to be seen. Her heart sank—until she spotted her skulking in the door well of the Hermann Apartments. They made eye contact, and Nelson fled. Lodrick went after her, glad that she had decided to wear sandals and not the heels she had almost put on.
She didn’t really know what she would do if she caught Nelson. “She was a big girl,” Lodrick recalled. She told the 911 operator she felt a little scared. The operator said: “If you in any way feel threatened, do not continue the pursuit.”
Lodrick told the operator: “No, I’m OK.”
Back on Market Street, Nelson hailed a cab. Lodrick ran up to the cabbie: “I have 911 on the line,” she told him. “Please don’t drive away. I think she’s stealing my identity.” The driver lifted his hands off the steering wheel in a gesture that said he would stay put. Nelson jumped out of the cab.
“Stop following me,” she beseeched Lodrick. “You’re scaring me.”
“I’m scared, too,” Lodrick answered. “Let’s just wait for the police, and we can straighten this out.”
“I can’t,” Nelson said. “I’m on probation.”
Indeed, court records show that Nelson was on probation for one of eight previous fraud convictions and also had been convicted of theft. Later, the San Francisco police detective who worked the case, Bruce Fairbairn, said Nelson’s statement about probation, relayed to the 911 operator by Lodrick, was a key to extracting a guilty plea.
Nelson took off again. In front of West Coast Growers, she dropped a wallet into an abandoned shopping cart. Lodrick, still after her, picked up the wallet—also Prada—and found an entire set of identification, including credit cards, a Social Security card and a debit card all in the name of Karen Lodrick. Later, when she returned to the bank that had been her original destination that morning and took possession of the lost driver’s license, it was a perfect forgery—with a hologram and a California seal—and it had Lodrick’s name but Nelson’s photo and physical characteristics.
“You can buy the technology (to add marks and holograms) on your computer from companies that have legitimate government contracts and then make a lot of money selling the technology to people they must know are not legitimate,” Fairbairn said. “Millions and millions of dollars.” The black market, he said, is “a growth industry.”
On they went, pursuer and pursued. Onto and off of a bus, onto Franklin Street, up Page Street, around a corner. But as Lodrick turned into the 200 block of Fell Street, she again lost sight of Nelson. A terrible sense of failure overcame her. She ran frantically through a darkened Walgreens parking garage and saw no one, all the time begging the 911 operator to hurry and get her a cop before it was too late.
When Officer Rickey Terrell arrived a moment later—about 45 minutes after the chase began—he, too, searched the Walgreens garage. He found Nelson crouched behind a car smoking a cigarette in front of an emergency exit.
A relieved Lodrick laughed out loud, surprising herself. “You idiot,” she said to Nelson. “You should have run.”
Then she was sick to her stomach.
In November 2006, her postal carrier told Lodrick that master keys to the neighborhood’s mailboxes had been stolen. Soon afterward, Wells Fargo informed her that there was suspicious activity in her accounts.
Using the stolen keys, Lodrick believes, Nelson made off with an unsolicited mailing from the bank. Lodrick said it contained two debit/credit cards she had not requested and, worse, a statement for a certificate of deposit that included her Social Security number. Personal identification numbers for the cards were in a separate envelope.
It took only three days for Nelson to raid the accounts for about $9,000 through withdrawals and purchases, bank records show.
Dealing with the consequences of somebody pretending to be her and ringing up purchases of computers, jewelry, clothing, groceries, cigarettes and liquor took a day or two of Lodrick’s time every week. There were the credit card companies to hassle with and credit agencies and banks, especially her own bank.
Lodrick calculates that as a self-employed consultant, she lost $30,000 in unearned income between November and Nelson’s apprehension in late April. Wells Fargo eventually restored to her accounts all the money Nelson had withdrawn.
But Lodrick, an optimist by nature who normally has a quick and spontaneous laugh, said “the bank was horrible. I felt they thought I was comical. I kept dealing with different people. Three different times they told me I’d have to come in and ID the (security camera) photo, that I hadn’t done it.”
And there were nightmares. She said she dreamt she was in jail and woke up in a panic. It was clear Nelson had targeted her: Lodrick changed bank accounts and identification numbers, only to find that Nelson had again broken into her mail and stolen the new information and was still after her accounts.
The woman knew where she lived—Lodrick felt unsafe. What Lodrick didn’t know is that they were neighbors, living only three blocks apart.
In the end, that photo of Nelson in her distinctive coat was her undoing. On June 6, she pleaded guilty to one felony count of using another person’s identification fraudulently. She was sentenced by Superior Court Judge Harold Kahn to the 44 days she had already served in county jail and three years’ probation.
Nelson also was ordered to make restitution in an amount to be determined by the court and to stay away from Lodrick. Those were the terms of a plea bargain negotiated by Assistant District Attorney Reve Bautista with Nelson’s public defender, Christopher Hite.
Lodrick, who made a statement at sentencing, was dissatisfied. “I can’t believe it,” she said. “I went through six months of hell, and she’s going to get probation? She was on probation when she victimized me. Obviously, probation’s not helping.”
Nor did Nelson, 31, appear to be remorseful. When she entered the courtroom in her orange jail jumpsuit and saw Lodrick, she smirked and waved at her. Judge Kahn chastised her for her attitude.
Over the protest of her attorney, the judge also insisted that Nelson undergo psychological counseling in addition to the drug and substance abuse counseling that were part of the plea bargain. Nelson was delivered to the Yolo County sheriff on another outstanding fraud-related warrant after she was sentenced in San Francisco.
One unexpected outcome of having her identity stolen is that Lodrick was invited to become a San Francisco cop by Fairbairn, the inspector who handled the case.
“She’s quite the detective,” he said. “I was so impressed by her courage, her dogged determination and her savvy that I took her down to recruitment. She has the best natural instincts for a cop I’ve seen in years.”
Lodrick’s experience did give her an appetite for fighting crime. But in the end, she decided, “I just don’t have the stomach for it.”
What a great article!
Now consider this:
Federal judge Broomfield REFUSED to seal my UNREDACTED credit reports filed by credit bureau Experian’s lawyer Marc Carlson with Jones Day.
The only way to seal my credit reports with my identifying info including the first 7 digits of my SSN, drivers license #, birth date, home phone # and every address I’ve had in the last 20 years was to offer to DISMISS all claims against Experian and ConsumerInfo.com.
For 6 months anyone willing to pay 8 cents/page could download my credit reports.
And, it looks like people DID download my reports. I obviously did NOT mention this case publicly, wasn’t going to advertise my credit reports, but “consumer advocate” attorney David Szwak publicized my desparate pleas to judge Broomfield to remove my credit reports on his website. It doesn’t stop there, attorney Szwak also posted the last 4 digits of my SSN, to make sure that EVERYTHING was on the web.
I’ve been threatened by many junk faxers and credit scammers after exposing their fraud and my complaints with law enforcement were always ignored.
It took 45 minutes for a cop in San Francisco to show up. Out here in the desert, it might take days. When I attempted to file a police report after my Capital One credit card was fraudulently used, the deputy refused. He stated I didn’t have enough information about the charges.
When I requested merchant info for the fraudulent charges from Capital One, they ignored me.
When I sued Capital One for the information related to the ID theft, judge Neil Wake in Phoenix federal court ruled that Capital One owes me nothing, not even information about the fraudulent charges.
In the above story, law enforcement did not ID the criminal who was on PROBATION from the Wells Fargo surveillance camera picture!
Why did Wells Fargo ask the victim THREE times to ID the criminal?
Why did the criminal get probation AGAIN?
WTF is going on?
Why do we all have to turn into gun swinging assholes who shoot first and ask questions later?
Why did they send a US marshal to my house after I blogged that I want to post judge Broomfield’s address?
Why are judges more important than consumers?
The marshal was a nice enough guy, but next time, he ought to make an appointment. Since I’m NOT trained in the use of a gun, my warning shot might kill someone by accident.
Not only do we NOT get help from the government, law enforcement, creditors and the banks, but they actively promote crime.
ID Theft - demand your PIN! • (0) Comments • Permalink
