Can I vent about my dad?

[Deleted]

He opened an account with a bank. Managed to add me to it without my knowledge. Let it go into the negative ($600+) and didn't tell me.

I was just notified when I went to open a bank account here in town. I still bank with my bank in Utah.

I now have to file a police report fraud affidavit, and such.

I called him today to ask him about it and he said "Oh ya, i wanted to open a savings account for you."

Ugh. This isn't the first time he's used my social to open accounts. Remember ZCMI? I had a card there before I was 10! Fuck.

I could just pay it myself but I refuse to bail him out again. This is one of the reasons I didn't speak to him or years.

Anyway.. I needed to vent because I've been on the phone for the last hour figuring this out.

[sfy]

That's terrible--I'm really sorry .

[dr.girlfriend]

That's awful. DH's mom did much the same thing...used his social to get a credit card, and then let it get to collections. We even would have easily paid it if we had known. It sucks.

[Deleted]

It does suck. And what pisses me off the most is that he was so nonchalant about it.

I haven't told him I need to file a police report.

I'm not even sure if I do that here in California or call Utah.

Ugh. It just sucks because we've always had a tumultuous relationship. And he continues to abuse everything.

I'm going to Utah next month and he's already asked me for money.

[tellmesomethingood]

Huh. I didn't know someone could just add you like that. My bank made DH actually come in and sign to get on my account.

[VillainV]

My MIL has done this with my husband. It's not clear if she opened these accounts when he was a minor or while he was an adult. It honestly terrifies me that she is doing/has done this.

[mrsukyankee]

Go onto your credit report and put a hold on all things. Write a statement about no one being able to open anything w/o your signed permission. Seriously.

[v]

Freeze your credit and get a copy of your credit reports to make sure there are no other surprises.  Also, read these:

www.idtheftcenter.org/Fact-Sheets/fs-115.html

moneyfor20s.about.com/od/understandingcredit/a/idtheftfamily.htm

www.creditcards.com/credit-card-news/ossenfort-identity-thief-in-the-family-1292.php

[bluefish]

Damn,I've been there, and I hate that for you.
PDQ
When questioned, the response I got was "you owe me for all those years [raising me]"
Two accounts I was able to close, the third, with a balance, took some work. The CC company insisted I was liable, but then backed off when they couldn't produce a signed application.
I did not file a police report, but in many ways wish I had. We settled things through court mediation. That was 9 years ago, and we haven't spoken since.

I agree with the others about putting a freeze on your credit reports. It will be a bit of an inconvenience if/when you need your credit run, but worth it IMO for the piece of mind.

[gibbinator]

Is changing your social security number something you can do easily in the states? I'd probably go that route if so.

[aurora]

Jul 28, 2015 19:10:14 GMT -5 @blissoff said:

...

I'm not even sure if I do that here in California or call Utah.
...

I've never actually had to do this, but my first guess would be that you file the police report in the location the account was opened.

I'm sorry you're dealing with this.

[msmerymac]

Jul 29, 2015 8:02:49 GMT -5 gibbinator said:

Is changing your social security number something you can do easily in the states? I'd probably go that route if so.

Lol, no. One number per person. You cannot change it. They are hard to fake. People steal them to obtain credit and to work if they can't work here legally. It's tied to everything you do - you need it to apply to college, to work a legal job, to apply for credit, to buy a house. It's tied to you forever, and nowadays they are given to you in infancy. They were originally established to track your earnings throughout your life so you qualify for social security payments (and now other government programs like medicare and SS disability). You are sent a report every year about your lifetime earnings and how much you are expected to receive when you retire based on that. They are really important and there's no do-over. 

[gibbinator]

Jul 29, 2015 10:39:44 GMT -5 msmerymac said:

Jul 29, 2015 8:02:49 GMT -5 gibbinator said:

Is changing your social security number something you can do easily in the states? I'd probably go that route if so.

Lol, no. One number per person. You cannot change it. They are hard to fake. People steal them to obtain credit and to work if they can't work here legally. It's tied to everything you do - you need it to apply to college, to work a legal job, to apply for credit, to buy a house. It's tied to you forever, and nowadays they are given to you in infancy. They were originally established to track your earnings throughout your life so you qualify for social security payments (and now other government programs like medicare and SS disability). You are sent a report every year about your lifetime earnings and how much you are expected to receive when you retire based on that. They are really important and there's no do-over. 

That really sucks. Here you have to jump through a few paperwork hoops, but you can change it in the event of identity theft etc.

[msmerymac]

Jul 29, 2015 10:42:11 GMT -5 gibbinator said:

Jul 29, 2015 10:39:44 GMT -5 msmerymac said:

Lol, no. One number per person. You cannot change it. They are hard to fake. People steal them to obtain credit and to work if they can't work here legally. It's tied to everything you do - you need it to apply to college, to work a legal job, to apply for credit, to buy a house. It's tied to you forever, and nowadays they are given to you in infancy. They were originally established to track your earnings throughout your life so you qualify for social security payments (and now other government programs like medicare and SS disability). You are sent a report every year about your lifetime earnings and how much you are expected to receive when you retire based on that. They are really important and there's no do-over. 

That really sucks. Here you have to jump through a few paperwork hoops, but you can change it in the event of identity theft etc.

I feel like that would be much easier in cases of ID theft!

I know you have universal health care, but do you have a government pension system? Is there a way the government tracks how much you get in retirement?

[mbcdefg]

Jul 29, 2015 10:39:44 GMT -5 msmerymac said:

Jul 29, 2015 8:02:49 GMT -5 gibbinator said:

Is changing your social security number something you can do easily in the states? I'd probably go that route if so.

Lol, no. One number per person. You cannot change it. They are hard to fake. People steal them to obtain credit and to work if they can't work here legally. It's tied to everything you do - you need it to apply to college, to work a legal job, to apply for credit, to buy a house. It's tied to you forever, and nowadays they are given to you in infancy. They were originally established to track your earnings throughout your life so you qualify for social security payments (and now other government programs like medicare and SS disability). You are sent a report every year about your lifetime earnings and how much you are expected to receive when you retire based on that. They are really important and there's no do-over. 

It can be changed, but it's not easy or automatic. And you don't lose the old number: faq.ssa.gov/link/portal/34011/34019/Article/3789/Can-I-change-my-Social-Security-number 

[girlscout]

I would like to know why the bank allowed him to open the account with your SS#.

I have to show all sorts of proof when I go to the bank and they KNOW me there. They have to have the information to cover their butts.